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Net worth statement
Your net worth is everything you own minus everything you owe. List your cash, CPF, investments, property, and insurance cash value, then your mortgage and loans, to see where your household stands today and how much of it sits in CPF.
This is your net worth: S$930,000.00 of assets less S$423,000.00 of liabilities. Of that, S$135,000.00 sits in CPF, which is yours but largely locked for housing, healthcare, and retirement.
What you own
Savings, current, and fixed deposit balances you can draw on.
Stocks, ETFs, REITs, bonds, SRS, and any other market holdings.
Your CPF OA balance, used for housing, insurance, and investment.
Your CPF SA balance, set aside for retirement.
Your CPF MediSave balance, for healthcare and approved insurance.
Surrender or cash value of whole-life and endowment policies.
Estimated market value of your home, before deducting the mortgage.
Estimated resale or scrap value of any car, after COE.
What you owe
Outstanding home loan balance still owed to your bank or HDB.
Outstanding balance on any vehicle financing.
Balances you carry month to month, not paid in full.
Outstanding balance on any personal or education loan.
Your balance sheet
45.5%
Debt-to-asset ratio. Lower is more resilient; under 50% is a common comfort marker.
27%
Share of net worth held in CPF. Yours, but largely locked until you can withdraw.
3.5x
Liquid assets against a month of total debt. Higher means more breathing room.
Sources