Calculate interest, contract payments and total returns.
Save money and get life insurance in one policy.
Savings Insurance Calculator
The Savings Insurance Calculator estimates a planning estimate for the health or protection scenario entered from the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. Replace the example values with your own savings insurance figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in your age, gender, capital and duration to see the premiums and benefits you'll receive.
Calculation results
Annual fee.
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Total allowance.
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Full payment.
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The reward.
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Calculation
Premium per year = capital × interest rate per 1,000 baht (by age and duration)
Contract payment ≈ capital + dividends (if any)
Return = (Contract - Total Fee) ÷ Total Fee × 100%
Maximum tax deductions are 100,000 baht/year.
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.
Endowment is a life insurance policy that combines savings with a repayment if the policy is fulfilled, and a capitalized heir if the policy is broken, giving both protection and savings.
How good is the accumulation return?
The accumulation insurance returns are around 1-3% per year, which is lower than investing in a mutual fund, but provides life insurance, suitable for those who want to save disciplined with protection.
How is a savings account different from a regular deposit?
Savings insurance has additional life insurance, tax deductibility, but lower liquidity (overnight payments less). Permanent deposits have higher liquidity, but no coverage and no tax deduction.
When should I buy savings insurance?
Ideal for those who want to save for the medium term 10-20 years with life insurance and want tax deductions, such as saving for children's school fees, retirement planning or cash for the future.
Disclaimer: The results are estimates. Actual interest rates depend on the insurance company.
English calculator guide
How to use the Savings Insurance Calculator
Use this page to test a specific savings insurance 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 savings insurance estimate instead of relying on a generic example.
Build a baseline savings insurance case with figures that match your situation.
Run a second savings insurance case after changing the rate, period, quantity or other key assumption.
Record the difference between the two savings insurance results and the input responsible for it.
Inputs for the savings insurance estimate
For this savings insurance calculation, check the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. The result is designed to show a planning estimate for the health or protection scenario entered, not a guaranteed provider price or official decision.
How the savings insurance result is calculated
The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same savings insurance inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a savings insurance decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For savings insurance, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. 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.
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