Net Worth Calculator (Singapore)
Add up everything you own and subtract what you owe to see your net worth, and track it over time.
Open the free calculator →What you'll need
- Cash and deposits
- CPF balances
- Investments
- Property value
- Loans and other debts
How it works
Net worth is simply total assets − total liabilities. Tracking it over time is a clearer measure of financial progress than income alone.
Current Singapore rules
| Assets | Liabilities |
|---|---|
| Cash, CPF, investments, property, vehicle | Home loan, car loan, credit cards, personal loans |
Worked example
Assets of $300,000 (cash, CPF, investments, flat equity) minus liabilities of $250,000 (outstanding home loan) gives a net worth of $50,000.
Important assumptions
- CPF counts as an asset, though some balances have withdrawal restrictions
- Property is valued at your estimate, not a formal valuation
- Snapshot in time; update periodically
Cases not fully modelled:
- Market revaluation of investments/property
- Tax on unrealised gains
- Illiquidity of certain assets
Official sources and verification
Direct links to the relevant official pages. Rules and rates change; last checked 21 June 2026. Always confirm against the official source.
Open the free calculator →Frequently asked questions
How is net worth calculated?
Total assets minus total liabilities.
Does CPF count as an asset?
Yes, though some CPF balances have withdrawal restrictions — you can note them separately for a truer picture of accessible funds.
How often should I update it?
Quarterly or yearly is enough to see the trend.