Net Worth at 30 in Singapore: What Is On Track?

By 30, many Singaporeans are married or about to be, and often waiting for a BTO flat. The median employed resident aged 30-34 earns about $5,400 a month (MOM 2025, excluding employer CPF). At that income, an on-track net worth at 30 is roughly $64,800 to $129,600, or 1.0 to 2.0 times annual income. The figure counts cash, investments and CPF, minus debts, but leaves out home equity, which you can't spend without selling.

The band scales with income, because what you can save depends on what you earn. At $7,600 a month, the upper-quartile income for this age group, the same benchmark is $91,200 to $182,400. Comparing yourself with a friend on a different salary tells you little.

CPF does much of the work. Someone who started work at 23 on about $4,522 a month and reached $5,400 by 30 would have roughly $74,694 in their Special Account and MediSave alone, money that can't be spent on a flat. That alone clears the band's lower edge of $64,800. Their Ordinary Account would add about $113,766 more, but for most people that goes into an HDB loan and becomes home equity, which this benchmark leaves out.

Around 30, the BTO down payment is the big swing factor. Paying 25% of a flat price from CPF OA and cash moves that money into home equity, which this benchmark excludes, so a new homeowner can look behind while simply having converted savings into property. Check your figure with and without the flat, and focus on keeping an emergency fund intact through the purchase and renovation.