Retirement & Inflation Calculator

Plan your retirement and see the real effect of inflation in one place. Enter your age, monthly expenses and expected returns to find the fund you need on the day you retire and how much to save each month to reach it. Then switch to the money-value tab to see how inflation quietly shrinks the purchasing power of your savings — all calculated instantly in your browser, with no sign-up.

Current age *

Retirement age *

Current monthly expense *

฿

In today's baht — what your lifestyle costs to run each month right now.

Years in retirement *

How long the fund must last, e.g. 25 years from age 60 to 85.

Return before retirement (%/yr)

Return after retirement (%/yr)

Inflation (%/yr)

Current savings

฿

Returns and inflation are yearly averages. A lower return after retirement reflects a more conservative portfolio.

Your results will appear here

Fill in your age and expenses to plan your retirement fund.

Monthly expense at retirement

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Fund needed at retirement

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Save per month

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Savings projection to retirement

Age	Year	Contributed	Balance

Estimate only. Figures assume steady average returns and inflation, and are not financial advice.

Future cost of the same goods

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Purchasing power then

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Total inflation

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Purchasing power over time

Year	Worth (today's baht)	Value lost

Estimate only. Figures assume steady average returns and inflation, and are not financial advice.

How to use

Open the Retirement plan tab and enter your current age, target retirement age and years you expect to be retired.
Type your current monthly expense in today's baht, plus your expected returns before and after retirement.
Set an inflation rate and add any current savings; the fund needed and monthly saving update instantly.
Switch to the Money value tab to see what any amount will be worth after inflation over a chosen number of years.
Copy the summary or download the savings projection as a CSV for your records.

Features

Retirement fund target based on inflation-adjusted expenses and a real post-retirement return
Required monthly saving that accounts for your current savings and expected growth
Year-by-year savings projection you can download as CSV
Money-value mode showing future cost and lost purchasing power
Editable return and inflation rates for optimistic or conservative scenarios
100% in-browser — your figures never leave your device

Frequently asked questions

How much money do I need to retire in Thailand?

It depends on your monthly expenses, how long you expect to be retired and inflation. This calculator grows your current expenses by inflation to your retirement date, then works out the lump sum needed to fund those inflation-adjusted expenses for the whole retirement period.

How does inflation affect my retirement savings?

Inflation raises prices every year, so the same lifestyle costs more over time. At 3% inflation, expenses roughly double in 24 years. The calculator uses a real (after-inflation) return during retirement so your fund keeps pace with rising costs.

What return and inflation rate should I use?

Thailand's long-run inflation averages about 2–3% per year. For returns, a common approach is a higher rate before retirement while you invest for growth and a lower, more conservative rate afterwards. Adjust all three to test best and worst cases.

How is the required monthly saving calculated?

The tool first finds the fund you need at retirement, then subtracts what your current savings will grow to. The remaining gap is spread across the months until retirement using your pre-retirement return to give a level monthly amount.

What will my money be worth in the future?

Use the Money value tab. It shows both the future cost of today's goods and the future purchasing power of a fixed amount of cash. For example, at 3% inflation, ฿1,000,000 held as cash buys only about ฿552,000 worth of goods after 20 years.