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HEALTH · Health · Free retirement healthcare cost calculator

Plan for Healthcare Costs in Retirement

Estimate a healthcare reserve for retirement using the selected healthcare benefit and a 7% annual medical-cost assumption. The 7% rate is fixed in this model and is not a forecast.

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This tool calculates the values you enter in your browser and does not automatically save results to the User Portal. Some parts of the site may use analytics or third-party services. Please read Privacy Policy

Initial estimate

This result is generated in your browser. Review the calculation method and limitations alongside it.

No results yetEnter your details and select Calculate to see your results here.
Scope: This tool is for educational purposes and is not personalized advice.

What is a retirement healthcare cost estimate?

Model assumptions

Review the assumptions before using the estimate

This tool uses a fixed 7% annual medical-cost inflation assumption that cannot be changed in the form. It is a scenario assumption, not a Thai average or a forecast of actual healthcare costs.

7%

Medical-cost inflation assumption

Fixed default in the model
Example calculation, not a forecast If THB 100,000 increases by 7% annually for 20 years, the mathematical result is approximately THB 387,000.
85

Time horizon used in the model

Assumed end of plan at age 85
Example: retire at age 60 The model covers 25 years after retirement, through age 85. This is a tool assumption, not an estimate of any individual’s life expectancy.

What this retirement healthcare calculator estimates

Retirement healthcare cost calculation method

The 7% annual medical-cost rate, starting costs by hospital tier and coverage multipliers are fixed model assumptions, not average statistics or current forecasts. The model ends at age 85 (at least 15 years after retirement). Results are scenarios based on your inputs, not health or financial advice.

Free estimates versus personalized planning

This tool provides a free preliminary estimate of a healthcare reserve target. For a broader review of retirement, debt and taxes, see the full financial plan.

Full financial plan →

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Frequently asked questions about retirement healthcare costs

Is the 7% medical-cost inflation rate a current rate?

No. The tool uses a fixed 7% annual assumption for scenarios, and the rate cannot be changed in the form. Actual costs may differ substantially.

Should I still save if I have Gold Card or Social Security coverage?

Consider setting aside some savings for medicines outside the essential medicines list, specialized diagnostics, private rooms, and travel or caregiver costs.

Does this calculator cost anything?

No. You can use the calculator in your browser without an account. See the Privacy Policy for information about stored data and third-party services.

What investment return assumption is used?

The model uses a 5% annual return for a diversified healthcare investment portfolio to estimate growth.

KGK
Reviewed & developed byKanngong Kanngoen TeamThe formulas have been tested and reviewed against international planning standards.
Risk and use disclaimer: This tool is for educational and preliminary planning purposes only. It is not individualized financial, legal or medical advice. Results are scenarios based on the information and assumptions entered. Calculations run in your browser; saved data and third-party services may work differently. Please read Privacy Policy