Net Worth Tracker for Singapore

CPF balances often represent the single largest asset for working Singaporeans, growing with every salary credit through mandatory contributions of up to 37% of wages. The three accounts - Ordinary, Special, and MediSave - earn different interest rates ranging from 2.5% to 4% base, with additional interest on the first SGD 60,000. Including all three in a net worth tracker gives the complete picture, though it is also useful to track what is accessible outside of CPF separately.

HDB or private property equity is the other major component. Recent resale transaction data from the HDB portal or URA provides grounded estimates for current market value - subtracting the outstanding mortgage shows your actual equity position. For many Singaporeans, the combination of CPF and property equity makes up the vast majority of net worth, which is worth understanding even if both are relatively illiquid.

Investment portfolios through platforms like Syfe, Endowus, or StashAway, along with direct SGX holdings and REITs, add diversification beyond CPF and property. Singapore's absence of capital gains tax means the full market value of these investments is genuinely yours without a hidden future tax liability. Tracking them at current value rather than cost basis shows real progress over time.