Retirement · free tool
Net worth snapshot: what do I really own?
Net worth is everything you own less everything you owe. In Singapore much of it sits in CPF and your home, which you cannot spend freely, so this snapshot also shows your liquid net worth: cash and investments less non-mortgage debts.
How it works
- Assets: cash, investments, all CPF accounts, your home at a realistic value, and other assets.
- Liabilities: home loan balance, car loan and other debts.
- Liquid net worth: cash and investments less car and other debts. This is what you could use in an emergency.
- Months of expenses in cash: a quick check on your buffer. Six months is a common minimum.
Update it once or twice a year. Use HDB resale or URA prices for a realistic home value.
Worked example
Cash S$50,000, investments S$150,000, CPF S$260,000 and a S$550,000 home with a S$250,000 loan give total assets of S$1,010,000, liabilities of S$250,000 and a net worth of S$760,000. Liquid net worth is S$200,000, and S$50,000 of cash covers 12.5 months of S$4,000 expenses.
Common questions
Should I count CPF in my net worth?
Yes, it is your money, but treat it separately: most of it is locked until 55 or later and can only be used for set purposes.
Should I count my home?
Count it in net worth, but remember you need somewhere to live. Liquid net worth is a better guide to your safety buffer.
Is my data saved?
The numbers stay only in this page while it is open. Nothing is sent to a server.
What next
Figures as of . CPF rules and sums change every year; check your own figures on the CPF website.
Official sources: CPF retirement income · CPF calculators · MoneySense
This planner is for information only and is not financial advice or a recommendation to buy or sell any investment. Jaimes Tan is not a licensed financial adviser.