Know where you stand — your net worth in 5 minutes
Most people have a rough sense of what they earn and what they spend. Far fewer have ever sat down and added up everything they own, subtracted everything they owe, and looked at the actual number.
That number is your net worth. It’s the most honest single measure of your financial health — not your salary, not your CPF balance, not how much you saved this month. Just: assets minus liabilities. What you’d be left with if you settled everything today.
I track mine once a year. Not to obsess over it, but because seeing the number move — even slowly — is the clearest evidence that the plan is working. The first time I did it properly I found two things I’d forgotten to count and one liability I’d been mentally ignoring. Ten minutes of uncomfortable clarity that changed how I thought about where I was.
Use the calculator below to find your number. Fill in what you know, estimate what you don’t, and download the result as a spreadsheet to keep. Come back in a year and do it again. The gap between those two numbers is your progress.
Net worth calculator — enter your assets and liabilities to see your net worth instantly, then download as a spreadsheet
Assets — what you own
CPF Accounts
CPF Ordinary Account (OA)
Log in to cpf.gov.sg → My CPF → CPF Balances
CPF Special Account (SA)
Retirement savings. Earns 4% p.a.
CPF MediSave (MA)
For healthcare expenses and insurance premiums.
CPF Total
$0
Cash & Investments
Cash savings
Total across all bank accounts.
SRS account
Log in to your SRS operator (DBS / OCBC / UOB).
Stocks & ETFs
Current market value of shares held.
Robo-advisor (Syfe, StashAway etc.)
Current portfolio value.
Endowment / savings plans
Current surrender value or projected maturity value.
Other investments
Bonds, REITs, crypto, unit trusts etc.
Cash & Investments Total
$0
Property
Primary home (estimated value)
Use recent transactions on HDB resale portal or PropertyGuru.
Investment property (estimated value)
Market value based on recent comparable transactions.
Other property
Overseas or commercial property.
Property Total
$0
Other Assets
Insurance cash value
Whole life or endowment policies — check your policy statement.
Car (resale value)
Check sgcarmart.com for current resale value of your model/year.
Money owed to you
Loans you’ve given out that you expect to be repaid.
Other assets
Business equity, collectibles, anything else of value.
Other Assets Total
$0
TOTAL ASSETS
$0
Liabilities — what you owe
Home loan (remaining balance)
Check your HDB or bank statement for outstanding loan amount.
Car loan (remaining balance)
Check your hire purchase statement.
Personal loan
Any outstanding personal or renovation loans.
Credit card balance
Total outstanding balance if carrying debt across cards.
Other liabilities
Student loans, family loans, any other money owed.
TOTAL LIABILITIES
$0
Your Net Worth
$0
Fill in your numbers above
CPF (illiquid)
$0
Accessible net worth
$0
Property values are estimates based on market transactions. CPF balances from cpf.gov.sg. Insurance cash values from policy statements. This is for personal tracking only — update once a year to see your progress.
