Question 1

What is the median net worth in Singapore?

Accepted Answer

The median household net worth in Singapore is estimated at approximately S$450,000 in 2025-26. This reflects the combination of HDB property equity (88% homeownership rate), CPF savings, and financial assets. Estimates are derived from CPF Board aggregate statistics, MOM income data, and the Credit Suisse Global Wealth Report.

Question 2

What is a good net worth at 40 in Singapore?

Accepted Answer

A net worth of S$400,000–$700,000 is on track for a Singapore couple at 40. This typically includes S$200,000–$500,000 in HDB equity (from a BTO purchased in the late 20s), S$150,000–$250,000 in combined CPF balances, and S$50,000–$150,000 in other financial assets. A single person should aim for S$200,000–$400,000 at this stage.

Question 3

Does CPF count as net worth in Singapore?

Accepted Answer

Yes — CPF balances (OA, SA, MA, RA) are fully counted as part of net worth in Singapore. They earn guaranteed returns (OA: 2.5% p.a., SA/MA/RA: 4% p.a.) and belong entirely to you. Access is restricted by age and purpose, but they represent real, quantifiable assets. For most Singaporeans, CPF is the second-largest net worth component after property.

Question 4

What net worth puts you in the top 10% in Singapore?

Accepted Answer

An estimated household net worth of approximately S$1.8 million or more places you in the top 10% of Singapore resident households. The top 5% begins at approximately S$3.2 million and the top 1% at approximately S$7.5 million.

Percentile	Estimated Household Net Worth
25th	~S$120,000
50th (median)	~S$450,000
75th	~S$900,000
90th	~S$1,800,000
95th	~S$3,200,000
99th (top 1%)	~S$7,500,000+

Singapore Net Worth by Age & Percentile 2026 — Where Do You Stand?

Singapore Net Worth Percentiles (2025)

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