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Updated year criteria 2026
Annual Pension (Annuity) Calculator
The Annual Pension (Annuity) Calculator estimates a loan and interest estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own annual pension annuity figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculation of annual or monthly pensions from pension funds, supporting both Ordinary Annuity and Annuity Due with payment schedules
The pension calculation.
Pay per installment.
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Total payments.
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Interest spent.
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The principal.-
Interest rate-
period-
type-
Paytable (click to view)
Instalment
interest
Pay the first.
The capital remains.
Annuity Formula
The pension calculation uses the present value of annuity formula to find the total payments per instalment from the principal.
Ordinary Annuity
PMT = PV × r ÷ [1 - (1+r)^(-n)] Where PV = principal, r = interest rate per instalment, n = total number of instalments
Annuity Due
PMT (Due) = PMT (Ordinary) ÷ (1 + r) Because of the initial payment, the money can be invested for longer, making the total per instalment slightly lower than ordinary.
Frequently asked questions
What's the difference between an ordinary annuity and an annuity due?
Ordinary Annuity pays at the end of the term (end of year or end of month) like most life insurance pensions. Annuity Due pays at the beginning of the term (beginning of year or beginning of month) which receives money earlier and has a longer investment time, making the amount per term slightly lower than Ordinary Annuity.
How much does the 3 million baht pension fund pay out monthly?
Example: Fund 3,000,000 baht Interest 4% per year Payment period 20 Year Ordinary monthly: Pay approximately 18,200 baht/month Total 4,368,000 baht throughout the period Interest used 1,368,000 baht
How does the frequency of payments affect the amount of money per instalment?
Monthly payments give less per-month than yearly, but the total is the same. Monthly payments help plan monthly cash flow, while yearly payments are suitable for large annual expenses.
How many years should I choose to pay my pension?
The term should be chosen to cover the expected lifespan. If you retire 60 years and expect to live 85 years, you should choose 25 years. The longer term will result in less payments per instalment but more security.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The results of the calculations are only estimates and are not financial advice.
English calculator guide
How to use the Annual Pension (Annuity) Calculator
Use this page to test a specific annual pension annuity scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the annual pension (annuity) estimate instead of relying on a generic example.
Build a baseline annual pension annuity case with figures that match your situation.
Run a second annual pension annuity case after changing the rate, period, quantity or other key assumption.
Record the difference between the two annual pension annuity results and the input responsible for it.
Inputs for the annual pension annuity estimate
For this annual pension annuity calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a loan and interest estimate for your scenario, not a guaranteed provider price or official decision.
How the annual pension annuity result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same annual pension annuity inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a annual pension annuity decision
Confirm any current rate, threshold or provider rule that could change the final amount. For annual pension annuity, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
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Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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