Am I behind? Singapore income & net worth by age — see where you rank 2026
The median full-time salary in Singapore is about S$5,775 a month including employer CPF, while the average is higher at S$6,386 (MOM/SingStat, 2025) — pay peaks near S$7,800 in the early 40s. Enter your age and income below to see your salary percentile and how your net worth ranks for your age. Updated 5 July 2026.
Income & Net Worth Percentile Calculator
What income percentile are you?
Enter your age, monthly income and net worth to see your salary percentile within your age group and across all Singapore residents — plus how your net worth and CPF compare. Every figure is worked out in your browser; nothing is sent anywhere.
Enter your age, then any figure below, to see where you stand.
See where you rank
Enter your age and net worth to see your percentile within your age group and across all resident adults in Singapore.
Everything here is worked out in your browser. Your age, income and net worth are never sent anywhere.
Pair this with the CPF Projection calculator to see where your CPF balance is heading.
Median vs average salary in Singapore (2026)
The median full-time salary in Singapore is S$5,775 a month, including employer CPF and one-twelfth of annual bonus (MOM/SingStat, 2025): half of full-time employed residents earn less and half earn more. The average (mean) is S$6,386, but it is measured on a broader base — all employed residents (including part-timers) and excluding bonus — so the two are not strictly comparable. A mean above the median usually signals a small group of high earners pulling it up, though here those definitional differences narrow the gap. For “where do I stand?” the median is the more useful midpoint.
Median full-time salary
S$5,775/mo
The midpoint — a more typical figure than the average. Measured, MOM/SingStat 2025.
Average (mean) income · all employed residents
S$6,386/mo
About 1.11× the median — a narrow gap, because this mean is measured on a broader base (all employed residents, excludes bonus) than the full-time median. Incl. employer CPF; MOM/SingStat 2025.
Household vs individual income
These figures are for an individual full-time worker. Singapore's median household income is published separately and is higher, because most households pool more than one earner — see SingStat's household income data. Use the per-person figures here to benchmark your own salary.
Key findings
Income peaks in the early 40s
S$7,800/mo
Median gross monthly income from employment is highest at 40–44, up from S$5,000 at 25–29. It then falls back as people move to part-time and retirement.
A six-figure salary is rarer than it feels
Top 22%
A S$10,000/month income places a full-time resident in roughly the top 22%. S$15,000/month is about the top 9%.
Wealth is far less even than income
S$154,000
The estimated median net worth per resident adult — yet the wealthiest 10% hold over S$1,200,000.
CPF compounds across the working life
S$315,000
Average CPF balance per member at 50–54, versus S$59,000 at 25–29 — roughly a 5.3× climb.
Households, in aggregate
S$1.75m
Official mean net worth per resident household (HES 2023). Separately, the national household sector balance sheet — a broader measure that also counts foreigners and family businesses — totals about S$3,341 billion.
Salary, net worth & CPF by age in Singapore
Showing net worth by age band. Total assets (home equity, CPF, savings, investments) minus debts, per resident adult. Bars show the median (a typical person); the lighter bar behind marks the level only the top 25% reach. Modelled estimate — see methodology.
Modelled median net worth per resident adult — age shape from the CPF-by-age curve, level anchored to UBS per-adult wealth. Estimate, not a measured figure.
Salary, net worth & CPF percentiles by age band
The 25th, 50th (median), 75th and 90th percentiles for each metric, by age band. Medians anchor the curves; the spread is measured for income and modelled for CPF and net worth.
Monthly income — percentiles by age band
| Age band | P25 | Median | P75 | P90 |
|---|---|---|---|---|
| 25–29 | S$3,087 | S$5,000 | S$8,099 | S$12,500 |
| 30–34 | S$3,913 | S$6,338 | S$10,266 | S$15,845 |
| 35–39 | S$4,478 | S$7,253 | S$11,748 | S$18,133 |
| 40–44 | S$4,816 | S$7,800 | S$12,634 | S$19,500 |
| 45–49 | S$4,695 | S$7,605 | S$12,318 | S$19,013 |
| 50–54 | S$4,214 | S$6,825 | S$11,055 | S$17,063 |
| 55–59 | S$3,090 | S$5,005 | S$8,107 | S$12,513 |
| 60+ | S$1,989 | S$3,222 | S$5,219 | S$8,055 |
Medians are measured (MOM, 2025); MOM publishes only the median and 20th percentile for this series, so P25/P75/P90 are modelled from those two anchors.
Net worth — percentiles by age band
| Age band | P25 | Median | P75 | P90 |
|---|---|---|---|---|
| 25–29 | S$15,126 | S$46,000 | S$139,893 | S$380,665 |
| 30–34 | S$29,265 | S$89,000 | S$270,662 | S$736,504 |
| 35–39 | S$41,432 | S$126,000 | S$383,184 | S$1,042,691 |
| 40–44 | S$54,914 | S$167,000 | S$507,871 | S$1,381,980 |
| 45–49 | S$68,724 | S$209,000 | S$635,599 | S$1,729,544 |
| 50–54 | S$80,891 | S$246,000 | S$748,121 | S$2,035,731 |
| 55–59 | S$79,904 | S$243,000 | S$738,998 | S$2,010,905 |
| 60+ | S$45,706 | S$139,000 | S$422,719 | S$1,150,271 |
All figures are modelled estimates — Singapore publishes no official net-worth-by-age series.
CPF balance — percentiles by age band
| Age band | Average | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|
| 25–29 | S$59,038 | S$25,068 | S$43,000 | S$73,758 | S$119,874 |
| 30–34 | S$114,436 | S$48,388 | S$83,000 | S$142,370 | S$231,385 |
| 35–39 | S$161,363 | S$68,209 | S$117,000 | S$200,691 | S$326,169 |
| 40–44 | S$214,353 | S$90,946 | S$156,000 | S$267,588 | S$434,892 |
| 45–49 | S$268,242 | S$113,682 | S$195,000 | S$334,485 | S$543,615 |
| 50–54 | S$315,182 | S$133,504 | S$229,000 | S$392,805 | S$638,399 |
| 55–59 | S$312,168 | S$132,338 | S$227,000 | S$389,375 | S$632,823 |
| 60+ | S$178,049 | S$75,205 | S$129,000 | S$221,275 | S$359,622 |
Averages are derived from CPF Board totals (31 Dec 2025); median and percentiles are modelled with an assumed log-normal spread.
How the benchmark is built
Data & age bands
- Income (measured): median gross monthly income from employment, incl. employer CPF, full-time employed residents, by age — MOM (Table C3, 2025). Overall median and 20th percentile — SingStat. The overall mean is a separate, broader-base series (employed residents, excl. bonus) — SingStat.
- CPF (derived): average balance per member = published total ÷ member count, by age — CPF Board (31 Dec 2025). CPF publishes totals and counts only, so the average is our arithmetic and the median is modelled.
- Net worth (modelled): no official by-age series exists. The age shape follows the measured CPF-by-age curve; the level is anchored to per-adult wealth from the UBS (non-official). Household context: SingStat and MOF.
- Age bands: 25–29 … 55–59 then 60+, following MOM's full-time income banding so all three metrics line up.
The distribution model
Each metric is treated as log-normal within an age band — positive and right-skewed, with a long upper tail. A log-normal is pinned by its median and one spread parameter (sigma):
- •Income spread is measured-anchored: MOM publishes only the median and 20th percentile for this series, so sigma is fitted so the official median (S$5,775) and 20th percentile (S$3,164) of the full-time series are both reproduced (sigma ≈ 0.715).
- •CPF spread is assumed: sigma = 0.80, as no second moment is published for CPF balances. The median is the average ÷ exp(sigma²/2).
- •Net-worth spread is modelled: sigma ≈ 1.65, from the national mean-to-median wealth ratio per adult (≈3.9×). Above the 99th percentile a Pareto tail (exponent ≈1.3) replaces the log-normal body, because wealth has a fatter top than any log-normal. It's calibrated so the top 1% (≈S$7.1m) matches Knight Frank's US$5.2m top-1% threshold and the top 0.1% (≈S$42m) sits near the US$30m UHNWI mark Knight Frank; the same tail reproduces Singapore's ~50 billionaires. Body positions remain indicative.
Percentiles come from that fit. Your inputs never leave your browser. For SGfi's sourcing and verification standards, see the methodology page.
Limitations
- •Individual vs household — income and CPF are per person; net worth is modelled per resident adult. Official net-worth figures are household-level and quoted as context, not mixed into the per-adult percentiles.
- •Data years differ — income is 2025, CPF is end-2025, household net worth is 2026 Q1 and HES wealth is 2023. They are not a single synchronised snapshot.
- •Mean vs median base — the median is for full-time employed residents (incl. bonus); the average (mean) is measured across all employed residents and excludes bonuses, so the mean/median ratio is indicative, not exact.
- •Top tail is understated — above the 90th percentile the log-normal model understates the real income tail; treat top-decile figures as a floor, not a precise threshold.
- •Net worth by age is an estimate — Singapore publishes no official net-worth-by-age series; treat those numbers as directional, not measured. The upper tail is calibrated to national anchors (the top 1% and the UHNWI mark); applying that tail shape within each age band is a reasonable assumption, not a measurement.
- •Within-band spread — each band uses the metric's overall spread, which slightly overstates inequality inside a single age group.
Sources
- •MOM — Labour Force in Singapore 2025, Table C3 — median gross monthly income from employment (incl. employer CPF) of full-time employed residents, by age (released 29 Jan 2026) (2025). View source.
- •SingStat — Median & 20th-percentile gross monthly income from employment (incl. employer CPF), full-time employed residents (series M182981) (2025). View source.
- •SingStat — Mean gross monthly income from employment (incl. employer CPF, excl. bonus) of employed residents, quarterly (series M184101) — 2025 four-quarter average (2025). View source.
- •CPF Board — CPF members’ balances by age group and sex (averages derived from published totals ÷ member counts) (31 Dec 2025). View source.
- •SingStat — Household Sector Balance Sheet — aggregate household net worth (series M700981) (2026 Q1). View source.
- •MOF — Occasional Paper on Income Growth, Inequality and Social Mobility — average household net worth by income quintile (HES 2023) (2023). View source.
- •UBS — Global Wealth Report 2025 — median & mean wealth per adult, Singapore (converted to SGD at S$1.36/US$) (end-2024). View source.
- •Knight Frank — The Wealth Report 2024 — wealth to enter the top 1% in Singapore (US$5.2m ≈ S$7.1m) and the UHNWI (US$30m+) threshold; used to calibrate the modelled net-worth upper (Pareto) tail (2024). View source.
SGfi is independently owned and operated and is not affiliated with MOM, CPF Board, SingStat, MOF or UBS. Source links open externally and are not tracked.
Frequently asked questions
What is the median salary in Singapore?
The median gross monthly income from work for full-time employed residents is S$5,775 including employer CPF and one-twelfth of annual bonus (MOM/SingStat, 2025) — half earn less, half earn more. The average (mean) is S$6,386, measured on a broader base (all employed residents, excluding bonus), so it is not strictly comparable — the median stays the more typical figure.
What is a good salary in Singapore?
There is no official threshold, and "good" depends on age, household and cost of living — this is a descriptive benchmark, not advice. For context, the full-time median is S$5,775/month and pay peaks near S$7,800 at 40–44. A S$10,000/month income sits in roughly the top 22% of full-time residents — enter your figure above to see your exact percentile.
What income puts you in the top 10% of earners in Singapore?
Among full-time employed residents, roughly the top 10% earn about S$14,438/month or more (modelled from MOM's measured median and 20th percentile, 2025). For reference, S$10,000/month is around the top 22% and S$15,000/month about the top 9%. One caveat: above the 90th percentile the log-normal model understates the real tail, so treat these top-decile figures as a floor, not a precise threshold.
What is the average net worth by age in Singapore?
There is no official net-worth-by-age series for Singapore, so these are modelled estimates. Net worth per resident adult (median) rises from about S$46,000 at ages 25–29 to roughly S$246,000 in the early 50s, then eases in the 60s. At the household level, official HES 2023 data puts net worth (average) at about S$1,755,000. Figures are descriptive, not advice.
How much should I have saved by 30 in Singapore?
There is no required amount — this is a descriptive benchmark, not advice. For context, a resident in the 30–34 group has an estimated net worth of about S$89,000 (median) and a CPF balance near S$83,000 (median; the average CPF balance for that age is about S$114,436). Where you sit depends on income, housing and family circumstances.
Am I behind financially for my age in Singapore?
"Behind" is relative to a distribution, not a target. Enter your age, income and net worth in the calculator on this page to see your percentile within your age group and across all working residents — for example, a S$10,000/month income sits in roughly the top 22% of full-time residents. The figures are descriptive only.
What is the median salary by age in Singapore (2026)?
Using MOM's latest published figures (2025), median gross monthly income from employment (including employer CPF) by age band is: S$5,000 at 25–29; S$6,338 at 30–34; S$7,253 at 35–39; S$7,800 at 40–44; S$7,605 at 45–49; S$6,825 at 50–54; S$5,005 at 55–59; S$3,222 at 60+. Pay is highest in the early 40s, and the overall full-time median is S$5,775.
What is the average CPF balance by age?
Derived from CPF Board figures (31 December 2025), the average CPF balance per member is about S$59,038 at ages 25–29, S$114,436 at 30–34, S$214,353 at 40–44, and around S$315,182 at 50–54. These are averages across all members with a balance.
Move from the benchmark to a plan
Know where you rank — now see if you're on track
Your percentile is a snapshot. Project it forward: see where your CPF balance is heading by 65 with the 2026 rules, and compare the interest Singapore savings accounts pay on the cash slice of your net worth.