The Future Value of Provident Funds 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 future value provident funds figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in your salary, contribution rate, current PVD, current earnings, and remaining years before retirement to estimate the PVD value.
It's a year-by-year calculation, with pay increases as per the rate of pay increase.
FV per year = (FV previous year + contribution/year) × (1 + return/12)^12
Tax deductions up to 500,000 baht/year (including all types of funds)
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.
The PVD (Provident Fund) is a savings fund where employer and employee jointly save. Employee contributes 2-15% of salary and employer contributes additionally at a fixed rate. Money will be accumulated and invested until retirement.
What is the average PVD yield?
The average long-term return of PVD in Thailand is 3–7% per year depending on the investment policy (e. g. equity, debt, mixed) should be chosen according to age and acceptable risk.
How much does PVD pay if I retire early?
Depending on the length of time you've been employed, the employee's money is fully repaid, but the employer's benefits may be partially or fully repaid according to the vesting schedule.
How much PVD should we send?
It is recommended to send the maximum contribution as the employer (Match) to get the full benefit. Generally employers Match 3-10%. If you send more PVD contribution, you can also get tax deductions.
Disclaimer: The results are estimates. Actual returns depend on fund policy and market conditions.
English calculator guide
How to use the Future Value of Provident Funds Calculator
Use this page to test a specific future value provident funds 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 future value of provident funds estimate instead of relying on a generic example.
Build a baseline future value provident funds case with figures that match your situation.
Run a second future value provident funds case after changing the rate, period, quantity or other key assumption.
Record the difference between the two future value provident funds results and the input responsible for it.
Inputs for the future value provident funds estimate
For this future value provident funds 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 future value provident funds result is calculated
The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same future value provident funds inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a future value provident funds decision
Confirm any current rate, threshold or provider rule that could change the final amount. For future value provident funds, 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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