Data is not saved. and is used for calculation only.
Updated year criteria 2026
Monthly Pension Calculator
The Monthly Pension Calculator estimates a investment and time value estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own monthly pension figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate monthly retirement income from retirement portfolios, comparing both the safe withdrawal rate and the annuity.
Monthly pension calculation.
Safe Withdrawal Rate
Monthly income
-
The capital is lifetime, can be passed on as a legacy.
Annuity.
Monthly income
-
I'm just running out of money. - year
Porter retired.-
Safe Rate.-
Annuity-
Higher income than with Annuity.-
How to calculate monthly pension from retirement portfolio
Monthly pensions from retirement portfolios can be calculated in two main ways, each with different pros and cons.
Safe Withdrawal Rate
Monthly income = portfolio × (withdrawal rate ÷ 100) ÷ 12 Example: Port 5,000,000 baht × 4% ÷ 12 = 16,667 baht/month Pros: No capital exhaustion, growth, high security.
Annuity
Monthly income = port × r ÷ [1 - (1+r)^(-n)] Where r = monthly return rate, n = total number of months Pros: higher income than Safe Rate, but capital will run out on time.
Frequently asked questions
How is the monthly pension from the retirement portfolio calculated?
There are two main methods: 1) Safe Withdrawal Rate: Multiply the portfolio by the safe withdrawal rate (e. g. 4%) divided by 12 months and the principal remains constant. 2) Annuity: Calculate the monthly withdrawals that make the portfolio run out just in time for the specified lifetime, which gives higher income but the principal runs out over time.
How do Safe Rate and Annuity differ?
Safe Rate is for those who want to keep a legacy. Money doesn't run out and continues to grow, but monthly income is lower than Annuity. It's for those who want maximum income and don't worry about legacy. Money runs out just in time.
How much does a 5 million baht retiree get in pension?
With the Safe Rate 4%: 5,000,000 × 4% ÷ 12 = 16,667 baht/month Annuity type 25 Years of return 5%: approximately 29,000 baht/month which is higher than the Safe Rate but the principal will expire after 25 years
How many years should be taken into account in calculating the annuity?
It is recommended to use 25-30 years after retirement (retirement 60 → calculate 85-90 years) to prevent the risk of overliving. Some use 35 years for maximum precaution.
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 calculations are estimates only and do not constitute financial advice. Consult an expert before planning your retirement.
English calculator guide
How to use the Monthly Pension Calculator
Use this page to test a specific monthly pension 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 monthly pension estimate instead of relying on a generic example.
Build a baseline monthly pension case with figures that match your situation.
Run a second monthly pension case after changing the rate, period, quantity or other key assumption.
Record the difference between the two monthly pension results and the input responsible for it.
Inputs for the monthly pension estimate
For this monthly pension calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a investment and time value estimate for your scenario, not a guaranteed provider price or official decision.
How the monthly pension result is calculated
The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same monthly pension inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a monthly pension decision
Confirm any current rate, threshold or provider rule that could change the final amount. For monthly pension, 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.
Language QA
Terminology, numeric values and calculator controls checked
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.
This history and results reside only in this device's browser. Press clear to delete immediately.
💾 Saved calculations
Save numbers only in this device's browser. It could be health or financial information. Therefore, the entered values or results are not sent to the server. You can delete them all from the button above. And data should be cleared when sharing the device with others.
Select 2–5. Items to compare
📊
There are no saved calculations yet.
Press the "Save" button after calculation to store the results.
