ENGLISH ภาษาไทย

Simple retirement planning calculator

Recommend landscape mode for small screen. Share

Many of us would like to plan for a peaceful retirement.
But some cannot get started because there are many factors to consider. What is an appropriate income? How to control expenses?
Also, what is the rate of return to expect from investing the saving?

Our simple retirement calculator helps you to simulate your financial status from today until your retirement.
It utilizes your target age, initial saving, income, expenses, and expected investment return.
Providing a high-level picture for your retirement planning.

May your financial health be as strong as ever.

Age and saving
Income and expenses (monthly)
Expected annual return (%)

  • 1. From the current age until the retirement age.

    If, income >= expenses: (wealth at year end) = (wealth from previous year) * (1 + (return before retirement)) + 12 * (income - expenses) * (1 + (return before retirement)/2)
    Wealth at the end of the previous year grows according to the expected annual return, while intra-year saving grows at half the rate.

    If, income < expenses: (wealth at year end) = ((wealth from previous year) - 12 * (expenses - income)) * (1 + (return before retirement))
    Wealth at the end of the previous year is first deducted to support uncovered expenses, then the rest grows at the expected annual return rate.
  • 2. After retirement age.

    (wealth at year end) = ((wealth from previous year) - 12 * expenses) * (1 + (return after retirement))
    Wealth at the end of the previous year is first deducted to support expenses, then the rest grows at the expected annual return rate.

* In the case that wealth after expenses deduction is negative, the negative balance will not grow (to even more negative) but remains constant for the year.