Net worth tracker – 2026 mid year check
I started properly tracking my net worth in 2020. Before that, I had a rough sense of my CPF balance and a vague idea of what was in my Syfe account, but I’d never added it all up in one place and looked at the actual number.
So 2020 is year zero for this tracker. Not because nothing existed before — I’d been working since 2014 — but because that’s when I started paying attention properly. Covid hit and I had time to do some number crunching and so I did. And you can only manage what you measure.
I’ll update this post every year with a new row. The goal isn’t to impress anyone. It’s to hold myself accountable, track whether the trajectory is bending in the right direction, and be honest about what’s working and what isn’t.
The numbers
Everything below is my personal net worth — not household. My CPF, my SRS, my investments and cash. Shared assets like the home are under my wife’s name and tracked separately. Currently I don’t have any liabilities and so did not include any in this calculation.
Net worth trajectory 2020 to 2026
| Year | Salary | CPF | SRS | Investments | Net worth | YoY |
|---|
What the numbers actually show
The headline is good: $251K to $633K in six years. That’s a 152% increase, or roughly $382K of wealth built over that period. On a salary that started at $4,800 and only crossed $10,000 recently, that’s a reasonable outcome.
But the headline number hides something worth being honest about.
CPF is doing most of the work. By 2026, CPF accounts for $451K out of $633K total — 71% of my net worth. Every year, mandatory contributions from my salary and my employer keep flowing in, and the 2.5–4% guaranteed return quietly compounds. Also, over the last 5 years, the markets have been on an uptrend and I had left my OA investments with Endowus. Only recently had I taken profit and moved them back to my OA, as I needed to preserve capital for housing in less than 2 years. CPF is real wealth, but it’s also largely untouchable until I’m 55 at the earliest, and fully accessible only much later. The number looks healthy. The accessible portion is much more modest.
Investments and cash have been essentially flat. Despite six years of working and saving, the non-CPF, non-SRS portion of my portfolio has barely moved — bouncing between $44K and $92K. Some of that is bad trades from my stock-picking days. Some is money that shifted from cash into SRS and CPF MA as I started taking tax optimisation more seriously. But the honest read is that this is the pile I need to grow faster.
SRS is the bright spot in accessible wealth. Growing from $0 to $102K over six years is meaningful — it’s the one non-CPF bucket that has grown consistently. The tax relief every year has made it easier to stay disciplined about contributing, and I invest it rather than leaving it as cash.
The gap
At current trajectory, I’m heading toward my $1M milestone around age 40–41. That’s the number I’m focused on right now — not because $1M solves everything, but because it’s the point where compounding starts to feel real. At $1M growing at 8%, the money generates $80K a year on its own — more than I was saving annually for most of the last six years.
The gap between where I am and where I want to be isn’t really about the total net worth number. It’s about the accessible portion. Of my current $633K, roughly $182K is accessible — SRS plus investments, but even SRS isn’t liquid-accessible. The rest is locked in CPF. That means my real working capital for investments, opportunities, or emergencies is much thinner than the headline suggests.
That’s what I’m working on. Growing the accessible pile faster — through higher investment returns, more consistent savings, and eventually a cash-flowing side income that doesn’t depend on a salary.
What I’m doing differently going forward
A few things I’m committed to that should show up in next year’s numbers:
- No more stock picking. The flat investments line across six years is partly the cost of bad individual stock trades. Passive investing via Syfe going forward — boring, consistent, no more trying to be clever.
- Protect the savings rate. Salary went up but so did family expenses — two kids in childcare, a car, insurance. I need to make sure income growth translates into savings growth, not just lifestyle growth.
- Build toward a side income. The salary trajectory post covers this in more detail, but the single biggest lever I haven’t pulled yet is income that doesn’t stop when I stop working. That’s the plan for the next chapter.
- Total net worth: $633,000
- CPF: $451,000 (71% — illiquid until 55+)
- SRS: $102,000 (invested, locked until 63)
- Investments & cash: $80,000 (accessible)
- 6-year growth: +$382K (+152%) from $251K starting point
- Next milestone: $1M — projected age ~40–41
All figures are personal net worth only — not household. Investments column combines cash savings, robo-advisor, ETFs, and other liquid assets. CPF figures from cpf.gov.sg. SRS from DBS portal. Some earlier years are estimates where exact records weren’t kept. This post will be updated annually.
Want to calculate your own net worth and see where you stand? Use the net worth calculator — it takes about 5 minutes and you can download the result as a spreadsheet.