Retirement Calculator
Find out how much you need to save monthly to fund a comfortable retirement.
Last updated: May 2025
📋 Retirement Planning Inputs
Personal Information
Thai average life expectancy is ~79 years. Consider 85–90 for safety.
Savings & Investments
Existing savings, funds, or investments you already have.
Savings account ~1–3% / Balanced fund ~4–6% / Equity ~7–10%
Retirement Expenses
Enter in today's money — the calculator adjusts for inflation automatically.
Thailand's historical average inflation is ~2–3% per year.
e.g. Social Security pension, rental income, dividends
Fill in your details and press Calculate
to see your retirement plan.
How Much Do You Need to Retire in Thailand?
A widely-used rule is the "25× Rule" — you need 25 times your annual retirement expenses saved up. This is based on a 4% Safe Withdrawal Rate (SWR), meaning you can withdraw 4% of your portfolio each year without running out of money over a 30-year period.
For example, if you need ฿30,000/month (฿360,000/year), you need ฿9,000,000 (360,000 × 25).
Key Factors That Affect Retirement Planning
- Starting 10 years earlier can reduce the monthly savings burden by more than 50% due to compounding.
- Inflation erodes purchasing power — ฿30,000/month today will not buy the same in 30 years.
- Investment returns — equity funds at 7–10% grow significantly faster than bank deposits at 1–3%.
- Other retirement income — Social Security pension, rental income, or part-time work can reduce the required savings.
Retirement Planning Tips for Thailand
- Use RMF/SSF funds to simultaneously reduce income tax and build long-term retirement savings.
- If your employer offers a Provident Fund (PVD), include it in your retirement projection.
- Section 33 Social Security contributors may receive a monthly pension after 180 months of contributions.
- Shift from growth to income-focused investments as you approach retirement age.