Retirement Income Calculator
Estimate whether current savings and dependable income may support your planned lifestyle.
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Find Your Finance · Thailand
Financial planning for expats who are building a life in Thailand.
Use the free planning tools, understand where you stand, and turn the result into a clearer retirement, savings or investment strategy with Lawrence Young.
How can I help?
Start with the question that matters to you.
Choose a goal and move directly into the most useful guide, calculator or conversation.
Retirement planning
Understand the lifestyle, income and capital you may need.
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Pensions and existing investments
Review whether older arrangements still suit an expatriate life.
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Build long-term savings
Model regular contributions, returns, fees and time.
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Education fee planning
Build a strategy for school and university costs.
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Estate and legacy planning
Organise beneficiaries, succession and cross-border wishes.
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Insurance and protection
Consider health, medical and family protection needs.
Explore this area →A connected planning process
From Thailand lifestyle costs to a personal review.
The tools work as a sequence. Begin where you are and follow the journey as far as it is useful.
Thailand lifestyle cost
Set a realistic spending target.
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Retirement income
Test how long existing resources may last.
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Pension shortfall
Measure an income or capital gap.
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Compound growth
See how contributions may build capital.
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Inflation
Translate today’s costs into future money.
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Safe withdrawals
Test income against portfolio longevity.
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Financial review
Turn the estimates into a personal action plan.
Open step →Free financial planning tools
Use the calculators individually—or as one complete journey.
Each calculator provides a planning illustration and a practical next step.
Pension Shortfall Calculator
Measure the difference between expected retirement resources and desired income.
Open this toolCompound Growth Calculator
Model starting capital, regular contributions, fees, returns and time.
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Inflation Calculator
See how rising prices may change future lifestyle costs and purchasing power.
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Safe Withdrawal Calculator
Test withdrawals against portfolio growth, fees, inflation and planning age.
Open this toolRetirement Planning Guide
Understand what a connected retirement plan should cover before making decisions.
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Create your free JLIT account
Keep your calculators, guides, offers and Thailand planning tools connected.
Join JLIT FreePersonal financial review
Turn your calculator result into a conversation.
Discuss your assumptions, retirement target, investment approach, fees, risk and practical next steps directly with Lawrence.
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Why work with Lawrence?
Thailand-based experience with an international markets background.
Lawrence Young has more than 30 years of experience across international markets, stockbroking, Eurobonds, money markets, fund oversight and expatriate financial planning. He works from Thailand and understands the practical realities of building, protecting and using wealth while living overseas.
His role is to help clients organise the bigger picture: retirement, long-term savings, education costs, investment structure, beneficiaries and cross-border planning considerations.
Read Lawrence’s full background
Lawrence began as an interbank money broker, followed by roles as a stockbroker at Collins Stewart and a Eurobond trader at Tradition SA. He later worked in fund accounting and oversight across Lloyds TSB retail funds and gained further experience with JPMorgan. His professional studies include ACCA accounting modules, CISI regulation and securities qualifications, and insurance qualifications through the Malaysian Insurance Institute.
Finance and money in Thailand today
Rates, headlines and developments that may affect your plan.
THB exchange rates
- 1 EUR = 38.12 THB
- 1 GBP = 44.46 THB
- 1 USD = 33.06 THB
Thai bank loan rates
- Bangkok Bank: 6.5000%
- Krung Thai Bank: 6.8450%
- Kasikornbank: 6.5800%
- The Siam Commercial Bank: 6.5750%
- Bank of Ayudhya: 6.6700%
- TMBThanachart Bank Public Company Limited: 7.1050%
Global finance
- Cyclospora fears lead consumers to lose their appetite for salads
- Rockstar Energy founder builds Celsius stake, wants to take over as CEO
- Burger King overtakes Wendy's as the nation's second-largest burger chain
- Companies scoff at airlines' cheapest business class tickets. 'The real value is flexibility'
Thailand finance
Ask Lawrence
Common questions expatriates bring to the table.
Can I still receive a UK State Pension if I never move back?
Pensions and retirement planning.
Read the article →How should I prepare for international school or university fees?
Education fee planning.
Read the article →Should I invest a lump sum or save monthly?
Savings structures and flexibility.
Read the article →What should a diversified expat portfolio look like?
Investment and risk planning.
Read the article →What happens to my estate if I die overseas?
Estate, beneficiaries and succession.
Read the article →Do I have appropriate long-term medical cover?
Health and protection planning.
Read the article →How should I organise finances across two countries?
Cross-border financial organisation.
Read the article →How can I reduce the cost of moving money internationally?
Currency and transfer planning.
Read the article →Client experiences
Clear planning should make life feel more manageable.
★★★★★
Finally, a financial plan that made sense for my life in Thailand.
“After moving overseas, I realised my old savings and pension arrangements were not designed for an expat lifestyle. Lawrence helped me understand where I was financially and how to build a structured plan.”
James RichardsonManaging Director · Bangkok★★★★★
Planning for my children's future became much less stressful.
“Lawrence helped us build a long-term education savings strategy and gave us confidence that we were preparing properly rather than simply hoping for the best.”
Sarah MitchellBusiness Owner · Phuket★★★★★
Moving abroad made me realise I needed a proper retirement strategy.
“Lawrence took the time to understand my goals and what I wanted my future in Thailand to look like. I now have a much clearer roadmap.”
Michael TurnerOperations Consultant · Chiang Mai
This week’s finance update
What will the markets do next week – 13th to 17th July
July 8, 2026
AI, Earnings and the Market’s New Mood: Confident… But Demanding If you glanced at markets last week, you probably saw something that didn’t quite make sense. Companies beat expectations.The economy didn’t wobble.Data wasn’t alarming. And yet, markets didn’t explode higher. That tells you everything about where we are right now. We are no longer in […]
Read this week’s update
Common questions
Find Your Finance FAQs
Is the first conversation free?
Yes. An initial conversation about your circumstances costs nothing and carries no obligation.
Do I need to be an existing Holborn Assets client?
No. The page and its calculators are open to any expat planning life in Thailand.
Are the calculator results financial advice?
No. They are planning illustrations based on the assumptions entered. A personal review is needed before making financial decisions.
Can Lawrence help non-British expatriates?
Yes. Lawrence works with expatriates from the UK, US, Australia, Europe and beyond, subject to the relevant regulatory position.
Is my information kept private?
Yes. Details shared through a direct enquiry are treated confidentially and are not sold to third parties.
Related reading
Continue planning your life in Thailand.
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