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FINANCE · Retirement · Free retirement planner

Retirement Planner: How Much Should You Save Each Month?

Enter your current age and expenses to estimate a retirement target, monthly savings amount and compound growth.

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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 retirement planning?

RETIREMENT INFOGRAPHIC

A retirement planning approach using the 4% rule (Rule of 25)

The target amount uses the 4% rule (Rule of 25). Savings projections use the return you enter; the tool’s default is 5% per year.

01

4% withdrawal guideline and 25-times target

Trinity Study Standard
Retirement target amount Annual retirement expenses × 25 (4% withdrawal in the first year)
Pre-retirement return assumption Change this in the expected return field. The default is 5% per year for a scenario, not a guaranteed return.
02

Factors that affect the estimate

Key Retirement Drivers
Time available to save The time between your current age and retirement; starting earlier can reduce the monthly amount needed.
Assumed inflation Inflation reduces purchasing power. Portfolio returns may help offset its effects.

What this retirement planner estimates

Retirement planning method

The calculation uses a safe withdrawal rate (the 4% rule) and the time value of money, adjusted for expected inflation in Thailand. The tool applies this method automatically and is more accurate than a rough calculation by hand; actual results may differ.

Free retirement estimates versus personalized advice

This free tool provides a preliminary retirement scenario. For a more detailed plan covering your balance sheet, income, expenses, net worth and life goals, see the full financial plan.

Detailed financial plan →

Related tools

Read more

Explore articles that explain the topic and its limitations, while keeping educational information separate from personalized advice.

Frequently asked questions about retirement planning

What is the difference between retirement planning and calculating a retirement target?

They are related: both involve estimating a target amount and planning savings for life after retirement.

Do I need to know my exact retirement expenses?

An estimate based on your current essential expenses is useful. The tool adjusts it using assumed inflation.

Does this retirement planner cost anything?

No. You can use the calculator in your browser without an account. Portal data is stored in this device’s browser.

What inflation and return assumptions are used?

The tool’s defaults are 2–3% inflation and a 5% return. You can change the figures yourself.

How is retirement planning different from ordinary savings?

Retirement planning focuses on a long-term target and compounding to build funds for a 20–30-year period after leaving work.

What should I do with the result?

Add the monthly savings amount to your budget and consider investments suited to your time horizon.

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