Thailand · THB · Pension guide
Thailand retirement calculator
Plan in baht using your own confirmed pension income. Distinguish a recurring old-age pension, a lump sum and any separately assessed living allowance.
Jump to calculator ↓ Understand the pension system
What can this calculator estimate?
It compares spending, manually entered pensions and accessible savings in THB, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
Compare invented scenarios. Amounts are not forecasts or entitlement calculations.
View results ↓Worked example. Change the inputs to explore your plan.
From age 65 to 66 · 12 modelled months · THB
12-month retirement spending estimate
THB 437,167
After tax · today's money
- Income you entered
- + THB 0
- From savings or pension pot
- + THB 437,167
A level budget through age 95 under your assumptions. It can use up savings and leaves no inheritance reserve. Review each year; this is not a guaranteed spending amount.
See the 12-month breakdown
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
| Month | Income you entered | From savings or pension pot | Spending budget | Savings left |
|---|---|---|---|---|
| 1 | THB 0 | THB 36,431 | THB 36,431 | THB 9,911,815 |
| 2 | THB 0 | THB 36,431 | THB 36,431 | THB 9,891,437 |
| 3 | THB 0 | THB 36,431 | THB 36,431 | THB 9,871,025 |
| 4 | THB 0 | THB 36,431 | THB 36,431 | THB 9,850,581 |
| 5 | THB 0 | THB 36,431 | THB 36,431 | THB 9,830,103 |
| 6 | THB 0 | THB 36,431 | THB 36,431 | THB 9,809,592 |
| 7 | THB 0 | THB 36,431 | THB 36,431 | THB 9,789,048 |
| 8 | THB 0 | THB 36,431 | THB 36,431 | THB 9,768,470 |
| 9 | THB 0 | THB 36,431 | THB 36,431 | THB 9,747,860 |
| 10 | THB 0 | THB 36,431 | THB 36,431 | THB 9,727,215 |
| 11 | THB 0 | THB 36,431 | THB 36,431 | THB 9,706,538 |
| 12 | THB 0 | THB 36,431 | THB 36,431 | THB 9,685,827 |
Savings left after 12 months: THB 9,685,827
How this budget is calculated ↗The projection below follows your entered spending or withdrawal plan; this budget is a separate estimate.
Accessible savings at retirement · 65
THB 9,932,161
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 87.8. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | THB 135,000 | THB 89,444 | THB 0 | THB 0 | THB 0 | THB 4,724,444 |
| 47 | Saving | THB 135,000 | THB 93,845 | THB 0 | THB 0 | THB 0 | THB 4,953,289 |
| 48 | Saving | THB 135,000 | THB 98,332 | THB 0 | THB 0 | THB 0 | THB 5,186,622 |
| 49 | Saving | THB 135,000 | THB 102,907 | THB 0 | THB 0 | THB 0 | THB 5,424,529 |
| 50 | Saving | THB 135,000 | THB 107,572 | THB 0 | THB 0 | THB 0 | THB 5,667,101 |
| 51 | Saving | THB 135,000 | THB 112,329 | THB 0 | THB 0 | THB 0 | THB 5,914,430 |
| 52 | Saving | THB 135,000 | THB 117,178 | THB 0 | THB 0 | THB 0 | THB 6,166,608 |
| 53 | Saving | THB 135,000 | THB 122,123 | THB 0 | THB 0 | THB 0 | THB 6,423,731 |
| 54 | Saving | THB 135,000 | THB 127,164 | THB 0 | THB 0 | THB 0 | THB 6,685,896 |
| 55 | Saving | THB 135,000 | THB 132,305 | THB 0 | THB 0 | THB 0 | THB 6,953,201 |
| 56 | Saving | THB 135,000 | THB 137,546 | THB 0 | THB 0 | THB 0 | THB 7,225,747 |
| 57 | Saving | THB 135,000 | THB 142,890 | THB 0 | THB 0 | THB 0 | THB 7,503,637 |
| 58 | Saving | THB 135,000 | THB 148,339 | THB 0 | THB 0 | THB 0 | THB 7,786,976 |
| 59 | Saving | THB 135,000 | THB 153,895 | THB 0 | THB 0 | THB 0 | THB 8,075,871 |
| 60 | Saving | THB 135,000 | THB 159,559 | THB 0 | THB 0 | THB 0 | THB 8,370,430 |
| 61 | Saving | THB 135,000 | THB 165,335 | THB 0 | THB 0 | THB 0 | THB 8,670,766 |
| 62 | Saving | THB 135,000 | THB 171,224 | THB 0 | THB 0 | THB 0 | THB 8,976,990 |
| 63 | Saving | THB 135,000 | THB 177,228 | THB 0 | THB 0 | THB 0 | THB 9,289,218 |
| 64 | Saving | THB 135,000 | THB 183,351 | THB 0 | THB 0 | THB 0 | THB 9,607,568 |
| 65 | Saving | THB 135,000 | THB 189,593 | THB 0 | THB 0 | THB 0 | THB 9,932,161 |
| 66 | Retirement | THB 0 | THB 189,912 | THB 0 | THB 540,000 | THB 0 | THB 9,582,073 |
| 67 | Retirement | THB 0 | THB 183,048 | THB 0 | THB 540,000 | THB 0 | THB 9,225,121 |
| 68 | Retirement | THB 0 | THB 176,049 | THB 0 | THB 540,000 | THB 0 | THB 8,861,170 |
| 69 | Retirement | THB 0 | THB 168,913 | THB 0 | THB 540,000 | THB 0 | THB 8,490,083 |
| 70 | Retirement | THB 0 | THB 161,636 | THB 0 | THB 540,000 | THB 0 | THB 8,111,719 |
| 71 | Retirement | THB 0 | THB 154,217 | THB 0 | THB 540,000 | THB 0 | THB 7,725,936 |
| 72 | Retirement | THB 0 | THB 146,653 | THB 0 | THB 540,000 | THB 0 | THB 7,332,589 |
| 73 | Retirement | THB 0 | THB 138,940 | THB 0 | THB 540,000 | THB 0 | THB 6,931,530 |
| 74 | Retirement | THB 0 | THB 131,076 | THB 0 | THB 540,000 | THB 0 | THB 6,522,606 |
| 75 | Retirement | THB 0 | THB 123,058 | THB 0 | THB 540,000 | THB 0 | THB 6,105,664 |
| 76 | Retirement | THB 0 | THB 114,883 | THB 0 | THB 540,000 | THB 0 | THB 5,680,547 |
| 77 | Retirement | THB 0 | THB 106,547 | THB 0 | THB 540,000 | THB 0 | THB 5,247,095 |
| 78 | Retirement | THB 0 | THB 98,048 | THB 0 | THB 540,000 | THB 0 | THB 4,805,143 |
| 79 | Retirement | THB 0 | THB 89,383 | THB 0 | THB 540,000 | THB 0 | THB 4,354,526 |
| 80 | Retirement | THB 0 | THB 80,547 | THB 0 | THB 540,000 | THB 0 | THB 3,895,072 |
| 81 | Retirement | THB 0 | THB 71,538 | THB 0 | THB 540,000 | THB 0 | THB 3,426,611 |
| 82 | Retirement | THB 0 | THB 62,353 | THB 0 | THB 540,000 | THB 0 | THB 2,948,963 |
| 83 | Retirement | THB 0 | THB 52,987 | THB 0 | THB 540,000 | THB 0 | THB 2,461,950 |
| 84 | Retirement | THB 0 | THB 43,438 | THB 0 | THB 540,000 | THB 0 | THB 1,965,388 |
| 85 | Retirement | THB 0 | THB 33,701 | THB 0 | THB 540,000 | THB 0 | THB 1,459,089 |
| 86 | Retirement | THB 0 | THB 23,774 | THB 0 | THB 540,000 | THB 0 | THB 942,862 |
| 87 | Retirement | THB 0 | THB 13,652 | THB 0 | THB 540,000 | THB 0 | THB 416,514 |
| 88 | Retirement | THB 0 | THB 3,501 | THB 0 | THB 420,015 | THB 119,985 | THB 0 |
| 89 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 90 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 91 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 92 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 93 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 94 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
| 95 | Retirement | THB 0 | THB 0 | THB 0 | THB 0 | THB 540,000 | THB 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
A baht spending bridge before recurring income
Our worked example separates the years before an entered pension begins from the years after it starts. Every amount and age is invented. It is a calculation illustration, not a typical pension, an entitlement estimate or a recommended retirement age. The source links guide benefit enquiries. No Thai pension age, allowance rate or immigration entitlement is inferred by this calculator.
Read the full exampleUnderstand the pension system
Thailand
Common questions
Does this determine eligibility for a Thai retirement visa?
No. It is a spending scenario only. Immigration financial requirements and pension eligibility are separate questions.
Which money can I count as savings?
Include only capital you can draw on for this plan, after allowing for access restrictions and taxes outside the model. Exclude property you will not sell and assets already used to fund an entered pension payment. Future lump sums are not modelled.
Do pension payments keep pace with inflation?
The illustration holds payments constant in today's purchasing power. Your actual pension may have different increases, caps or no indexation. Test a lower real payment as a separate scenario if needed; this tool does not forecast those rules.
Are my financial inputs stored?
Your figures are calculated in your browser. They are not uploaded or saved in the address bar. Only public, invented example identifiers appear in example links. CSV exports are created on your device.
Methodology · 1.0
Methodology
12-month retirement spending estimate
Already retired? Set the stop-work age equal to your current age to estimate the next 12 months. Otherwise the estimate starts at your chosen retirement age.
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
How this budget is calculated ↗
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.