Net Worth Calculator
Add up everything you own and subtract everything you owe to see your net worth, plus a breakdown of how your assets are split.
Assets
Combined OA + SA + MediSave (+ RA, if any) from your CPF statement.
Stocks, ETFs, bonds, SSB, unit trusts and similar holdings.
Current market value of your home and any investment property.
Vehicles, gold, business equity and other valuables.
Liabilities
Outstanding balance, not the original loan amount.
Credit cards, personal, renovation and student loans.
Net worth
$330,000
Total assets exceed total liabilities.
Total assets
$685,000
Total liabilities
$355,000
| Asset class | Amount | % of assets |
|---|---|---|
| Cash & deposits | $20,000 | 2.9% |
| CPF balances | $60,000 | 8.8% |
| Investments | $40,000 | 5.8% |
| Property | $550,000 | 80.3% |
| Other assets | $15,000 | 2.2% |
| Total assets | $685,000 | 100.0% |
Estimates only. Net worth is a snapshot based on the values you enter; market and property valuations change over time, and CPF savings have withdrawal restrictions.
How to calculate your net worth
Net worth is the foundation of any personal financial plan. The formula is simple — total assets minus total liabilities — but the value comes from doing it consistently and seeing the trend. Tally your cash, CPF balances, investments, property and other assets, then subtract your mortgage, car loan and any other debt.
Reading the breakdown
The asset composition table shows each asset class as a share of your total assets. A very high property share can signal a concentrated, illiquid balance sheet, while a healthy slice of cash and liquid investments gives you flexibility. CPF balances count as yours but are subject to withdrawal rules, so weigh liquidity alongside the headline figure.
Update the numbers every few months. Pairing this with the savings goal, FIRE and CPF retirement projection calculators turns a static snapshot into a plan for growing your net worth over time.
Frequently asked questions
What is net worth?
Net worth is what you own minus what you owe: total assets (cash, CPF balances, investments, property and other assets) minus total liabilities (mortgage, car loan and other debt). It is the single clearest number for tracking your overall financial health over time.
Should I include my CPF savings?
Yes — CPF balances (Ordinary, Special, MediSave and Retirement accounts) are real assets you own, so include the combined balance from your CPF statement. Just remember CPF has withdrawal rules, so it is less liquid than cash even though it counts toward your net worth.
How should I value my property and outstanding loan?
Enter the current market value of the property as an asset, and the outstanding mortgage balance (not the original loan) as a liability. The difference is your home equity. Use a recent valuation or comparable transactions rather than the price you originally paid.
What is a good net worth in Singapore?
There is no single benchmark — it depends on age, income and life stage. Rather than comparing to others, track your own net worth every few months: a rising trend, driven by saving and investing more than you borrow, matters more than the absolute figure at any point.