2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Thailand
A FIRE calculator for Thailand: your Provident Fund, RMF and Social Security in bahtSocial Security Fund · Section 33 · Provident Fund · PVD · RMF · Thai ESG · GPF · LTR visa · financial freedom
Nivritee’s FIRE Planner projects when your household could stop working, in baht, with Thai inflation, a medical cost rate of its own and your Social Security Fund, Provident Fund and RMF balances pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| Thailand | THB | 2.0% | 10.8% |
| India | INR | 4.0% | 12.9% |
| United Kingdom | GBP | 2.0% | 10.0% |
| Singapore | SGD | 2.0% | 16.9% |
Fourteen countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in THB
Your FI number at a 3.5% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 3.5% withdrawal rate the planner uses for Thailand, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in THB (฿), with a Financial Freedom Index out of 100 beside it.
Thailand publishes household income rather than household wealth, so your peer percentile compares your household’s income with the NSO Household Socio-Economic Survey, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Thailand · the rates your plan starts from
The Thailand rates every plan projects with.
A plan for Thailand starts from these, in THB. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
1.31%
Education inflation
School and university fees, which rise faster than everyday prices.
10.8%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
6.2%
Return while you work
An assumption, not a forecast — shown so you can change it.
3.71%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
3.5%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Thailand schemes in one plan
Social Security Fund (old-age benefit), Provident Fund (PVD), Government Pension Fund (GPF), Retirement Mutual Fund (RMF), Thai ESG / Thai ESGX Fund, Employee Welfare Fund — rows in your plan from the start.
- Social Security Fund (old-age benefit) — Compulsory for private-sector employees under Section 33; pays an old-age pension or a lump sum.
- Provident Fund (PVD) — A fund your employer sets up, which you and your employer both pay a share of your wages into.
- Government Pension Fund (GPF) — The savings fund for civil servants, paid into by you and the government.
- Retirement Mutual Fund (RMF) — A tax-deductible fund whose gains become tax-free once you are 55 and its holding conditions are met.
- Thai ESG / Thai ESGX Fund — A tax-deductible fund whose gains are tax-free once the units have been held for the required period.
- Employee Welfare Fund — A workplace savings fund for employers that have no Provident Fund.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Thailand · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
RMF gains are free of income tax once you are at least 55 and have bought units in at least five consecutive years.
Access age 2
The Long-Term Resident visa has a Wealthy Pensioner category for people aged 50 and over with a qualifying passive income; a salary does not count towards it.
FIRE Planner · Thailand
What your Thailand FIRE plan has to get right.
Thai savings for later sit in several places — the Social Security Fund, an employer’s Provident Fund, RMF and Thai ESG units — and each opens on its own terms. Provident Fund contributions are deductible up to 15% of wages, within a 500,000-baht cap. Nivritee pre-fills each as its own row and shows the years before they open.
Nivritee grows medical costs at their own rate rather than general inflation; insurers in WTW’s survey project a 10.8% medical cost trend for Thailand in 2026.
Prices are grown at 2%, the middle of the Bank of Thailand’s 1–3% medium-term inflation target. Like every rate in the plan, you can change it.
Settling in Thailand with money abroad? Foreign income a Thai tax resident earns from 2024 onward is taxable when it is brought into Thailand, even in a later year. Nivritee holds savings in other currencies in one baht plan.
Thailand publishes household income rather than wealth, so your peer percentile compares your household’s income with Thai households in the National Statistical Office’s Household Socio-Economic Survey, and the card says so.
Why Nivritee for Thailand
The FIRE Planner, joined to everything else your household runs.
Your Thailand plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Fourteen markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Thailand · questions
FIRE in Thailand: questions people ask.
How much do I need to retire early in Thailand?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number for Thailand uses a more cautious 3.5% withdrawal rate — about 29 times a year’s need — allows for tax on withdrawals, adds your goals and nets off income that keeps paying.
When can I take money out of an RMF without tax?
RMF gains are exempt once you are at least 55 and have bought units in at least five consecutive years. Nivritee holds your RMF as its own row, so the years before 55 are visible in the ledger.
Can I retire early in Thailand if I am not Thai?
The Board of Investment’s Long-Term Resident visa has a Wealthy Pensioner category for people aged 50 and over with a qualifying passive income. Foreign income a Thai tax resident earns from 2024 onward is taxable when it is brought in. Nivritee projects in baht with savings held in any currency.
Is there a free FIRE calculator for Thailand?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in baht with Thai inflation and your Social Security Fund, Provident Fund and RMF. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your household income compares with Thai households.
Find your FI number for Thailand.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free