Business and Financial Tools
Retirement Planning Calculator
Estimate the amount required at retirement and a monthly saving level, adjusting spending for inflation and separating pre- and post-retirement return assumptions.
Private scenario calculator
Retirement Savings Calculator
Change any assumption to recalculate instantly. Values stay in this browser and are not saved.
Retirement estimate
Quick answer
How much should I have at retirement and save each month?
Inflate today's spending to the retirement date, calculate the retirement-date present value of monthly spending through the plan end, subtract the future value of current savings, and solve for end-of-month saving to fill the gap.
How to use this tool
- Enter current, retirement, and plan-end ages plus monthly spending in today's money.
- Enter current retirement savings, pre- and post-retirement return, and inflation.
- Test conservative cases and separately allow for healthcare and events the model omits.
How the calculation works
Retirement-date spending = today's spending × (1+inflation)^years. Each later monthly expense grows with inflation and is discounted by the post-retirement return. Current savings grow at the pre-retirement return, and the remaining gap is divided by the future-value factor of end-of-month saving.
Examples
| Example | Input | Expected result |
|---|---|---|
| One year before and after retirement | |
THB 120,000 needed at retirement and THB 10,000 monthly saving for the final year |
| Target already funded | |
Gap and required monthly saving are THB 0 |
Limitations
- Constant returns and inflation omit volatility and sequence-of-returns risk.
- Taxes, fees, benefits, retirement income, large expenses, and personal healthcare costs are excluded.
- This is not personalized investment, insurance, or financial-planning advice.
Frequently asked questions
Is plan-end age a life-expectancy prediction?
No. It is a planning boundary selected by the user. Allow for longevity and unexpected costs.
Are social security, pensions, or provident funds included?
Not automatically. A carefully estimated value can be added to current retirement savings, while respecting timing and conditions.
Will post-retirement return always exceed inflation?
No. Test low-return, high-inflation, and early-retirement-loss scenarios.
References
- Bank of Thailand — Retirement planning Verified 2026-08-03
- Stock Exchange of Thailand — Provident-fund planning tool Verified 2026-08-03
Content and calculation method last reviewed: