Before leaving work, review both the income that may stop and the expenses that will continue. The linked video raises broad themes such as inflation, assets, debt, and financial security; the checklist below focuses on practical items to review before retirement and follows the Bank of Thailand’s general planning guidance.
Checklist before drawing on retirement savings
- Prepare a post-retirement budget that separates essential expenses, healthcare, and occasional costs.
- Check income sources and benefits, and read the terms from the relevant agency or provider.
- List debts, due dates, and expenses that will continue after you stop working.
- Separate money needed in the near term from long-term investments, and check that you can access funds when needed.
- Review beneficiaries, contact details, important documents, and who could help manage financial matters if you become ill.
- Set a date to review the budget and plan after you have real spending information.
Make a plan you can adjust
You can start estimating retirement costs from current spending, but review categories that may change. Work-related travel may fall, while healthcare or caregiving costs may rise. The Bank of Thailand notes that general estimates do not include inflation or healthcare costs, so state your assumptions and revisit them using your actual circumstances.
Use the retirement savings gap guide, post-retirement budget guide, and retirement planning tool to organize your information before consulting a professional if needed.
Sources and limitations
Updated October 16, 2026. This checklist provides general information; it does not confirm eligibility for any benefit or fund on behalf of the relevant agency.