By MoneyBees
Add up what you own, including CPF, and take away what you owe. You see your net worth, how much of it you can actually reach, how much is locked in CPF or your home, and how it changes each time you check.
Savings accounts, fixed deposits, SSBs, T-bills, cash on hand.
From your latest CPF statement.
Members aged 55 and above no longer have an SA. It closed in January 2025.
Counts as an asset even though it's restricted to healthcare use.
Only if you're 55+ and an RA has been created. Leave 0 otherwise.
Stocks, ETFs, unit trusts, REITs, bonds and T-bills, at today\'s value.
What your home would sell for today.
What the car would sell for today. Leave 0 if none.
Jewellery, watches, business equity, money owed to you.
The balance you still owe the bank or HDB.
Remaining balance on your vehicle financing.
Outstanding card and buy-now-pay-later balances you haven't cleared.
Outstanding tuition fee loan or CPF education scheme repayment owed.
Renovation loan, personal loan, money owed to family, tax payable.
Total yearly income before tax (salary + bonus + other). Enter this to see your target net worth.
Your net worth
$110,000
assets minus liabilities
Total assets
$110,000
3 categories
Total liabilities
$0
0 categories
Liquid net worth
$45,000
cash + investments, minus short-term debts (excludes CPF & property)
Debt-to-asset ratio
0.0%
how much of your assets is financed by debt
| Part | Amount | Share |
|---|---|---|
| Money you can reach: cash and investments less other debts | $45,000 | 41% |
| CPF: mostly locked until 55, OA usable for housing | $65,000 | 59% |
| Home equity: property value less the home loan | $0 | 0% |
| Car and other assets | $0 | 0% |
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A 30-year-old has S$20,000 in cash, S$25,000 invested and S$65,000 across CPF, with no property or debts, so net worth is S$110,000. Only the S$45,000 in cash and investments can be reached today, while the other S$65,000 sits in CPF until the withdrawal rules allow it out.
Everything you own minus everything you owe, on one date. If you have S$110,000 in cash, investments and CPF and no debts, your net worth is S$110,000. A new home loan or study loan can push it below zero for a while, which is common early in a career.
Yes. Your CPF balances belong to you, so they count. Most of it is locked until 55, and MediSave is for healthcare, so the calculator also shows how much of your net worth you can reach today.
Today's value, and the home loan at the balance still owed. CPF you used for the flat already shows up as a smaller loan, so do not add it back.
The part you could reach quickly: cash and investments, less debts such as card balances, car loans and study loans. It leaves out CPF and your home. It is a better guide than the total to how long you could manage without a salary.
No. Be wary of tables presented as one. The calculator offers Thomas Stanley's rule of thumb, your age times your yearly income divided by 10, as a rough self-check. It comes from US research and ignores the way CPF builds wealth here.
Your total debts divided by your total assets. At 40%, borrowing pays for 40 cents of every dollar you own. There is no official Singapore target for it, and a home loan usually makes it high for the first years after you buy.
Every few months, and after big changes such as a new job, a home purchase or paying off a loan. Use Save today's figure on this page to keep a record in your browser and see the change each time.
No. It adds and subtracts the figures you enter, so nothing in it goes out of date. To project growth, use the compound interest or FIRE calculators.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).