Customer details

Not filled in yet

Retirement plan

Customer's retirement money

Fill in the details to see the retirement plan

Age, monthly expenses and the retirement savings held today. Enter 0 if there are no savings yet

Customer's age

yrs

Monthly expenses today

THB

Retirement savings today

THB

Currently investing for retirement per month (optional)

THB

Adjust the plan

Retirement age

5565

yrs

Monthly expenses after retirement (today's money)

THB

Blank = same as today's expenses

0200,000

Investment style

Returns of 5% a year before retirement · 3.5% after retirement · changing it applies to every topic

If investing stays the same

Maximum monthly spendingN/A

Current savings

Retirement savings today

THB

e.g. RMF, SSF, mutual funds, stocks or deposits meant for retirement, excluding PVDMonthly retirement investment

THB

Leave blank if you haven't started investingSalary (monthly)

THB

Used to calculate PVD, social security and severance pay

Provident fund (PVD)

PVD balance today

THB

Employee contribution rate

2–15% of salaryEmployer contribution rate

Leave blank to match the employee rate

PVD at retirementN/A

Enter your salary to see contributions

Social security pension

Years of contributions at retirement

yrs

Leave blank to exclude it from the plan

Monthly old-age pensionN/A

Enter your salary to see the pension

Monthly old-age pension by years of contributions

Contribution period (years)	Pension rate	Client's monthly pension	Monthly pension (wage ceiling 23,000)
15	20.0%	N/A	4,600
16	21.5%	N/A	4,945
17	23.0%	N/A	5,290
18	24.5%	N/A	5,635
19	26.0%	N/A	5,980
20	27.5%	N/A	6,325
21	29.0%	N/A	6,670
22	30.5%	N/A	7,015
23	32.0%	N/A	7,360
24	33.5%	N/A	7,705
25	35.0%	N/A	8,050
26	36.5%	N/A	8,395
27	38.0%	N/A	8,740
28	39.5%	N/A	9,085
29	41.0%	N/A	9,430
30	42.5%	N/A	9,775
31	44.0%	N/A	10,120
32	45.5%	N/A	10,465
33	47.0%	N/A	10,810
34	48.5%	N/A	11,155
35	50.0%	N/A	11,500

Each month's wage counts up to that year's ceiling: THB 17,500 in 2026–2028, THB 20,000 in 2029–2031 and THB 23,000 from 2032

Statutory severance pay

Years of service at your last employer at retirement

yrs

Leave blank to exclude it from the plan

Severance at retirementN/A

Enter your salary to see severance

Severance entitlement by length of service

Length of service	Severance entitlement
20 years or more	400 days
10 – 20 years	300 days
6 – 10 years	240 days
3 – 6 years	180 days
1 – 3 years	90 days
120 days but less than 1 year	30 days

Lump-sum costs at retirement

Lump-sum costs (today's money)

THB

For example home repairs, a new car or travel, to be paid at retirement

At retirement (age 60)N/A

After retirement: split the money into 3 buckets

Split your retirement money into 3 buckets

Buckets 1 and 2 are set as a number of years of your first-year retirement spending, and the rest goes into bucket 3. When enabled, the answer and the money path are calculated from these 3 buckets.

Assumptions

Return before retirement5% per yearBased on the Medium risk investment style · change it under Investment style

Return after retirement

% per year

Blank = 3.5% from the investment style · used when the money is not split into 3 bucketsInflation

% per year

Annual salary increase

% per year

Used for PVD, social security and severance pay

Plan until age

yrs

Increase investment every year

Your monthly investment grows by this amount each year until retirement

Note: The results and summaries from this tool (such as whether a goal is reached) are preliminary estimates based on the information and assumptions provided, for planning purposes only. They do not guarantee any outcome or future return, and are not investment advice or personalised financial advice. Actual results may differ from those shown, because the calculation may not cover every factor, such as taxes, fees and market volatility. Investing involves risk. Investors should study and understand a product's features, return conditions and risks before making an investment decision. Past performance is not a guarantee of future performance.