Pension Shortfall Calculator
See whether your pensions and current savings are likely to cover the retirement income you want—and calculate the extra monthly saving or capital that may be needed.
How large is your pension shortfall?
Your retirement target
Enter today's values. The calculator increases the target by inflation until retirement.
Expected retirement income
Savings and assumptions
Four ways to close the gap
| Scenario | Projected fund | Required fund | Shortfall |
|---|---|---|---|
| Base plan | — | — | — |
| Save 25% more | — | — | — |
| Retire 3 years later | — | — | — |
| Spend 10% less | — | — | — |
Move from lifestyle cost to a funded retirement plan
1. Cost of livingSet a realistic Thailand lifestyle target.2. Retirement incomeTest how long existing resources may last.3. Pension shortfallYou are completing this step now.
4. Compound growthModel how contributions can build capital.5. Financial reviewTurn the result into a personal action plan.What creates a pension shortfall?
Income target
A higher lifestyle target creates a larger gap unless dependable income rises with it.
Time to retirement
More time allows additional contributions and compound growth to work.
Returns and fees
Small annual differences compound substantially, but returns remain uncertain.
Inflation and longevity
Your plan must support rising costs for longer than average life expectancy.
CORNERSTONE GUIDERetirement Planning in Thailand
Build the complete framework around income, capital, healthcare, tax and estate planning.
Read guide →RELATED CALCULATORRetirement Income Calculator
Run a detailed year-by-year test of how long your retirement fund may last.
Open calculator →LIFESTYLE TARGETThailand Cost of Living Calculator
Set a more realistic monthly income target for your chosen city and lifestyle.
Open calculator →PERSONAL REVIEWAsk Lawrence About Your Shortfall
Discuss contribution levels, retirement timing and the assumptions behind the result.
Ask a question →Connect the financial plan to life in Thailand
A pension target is only useful when it reflects the life you intend to live.
Use JLIT's property, business, travel and member services to test the practical costs behind the plan.
Find property help
Find local businessesTest the shortfall against the city you plan to live in
A retirement-income target only becomes meaningful when it reflects real housing, transport, healthcare and lifestyle costs. Open the Cost of Living Calculator with your intended city as the next check.
Continue through the JLIT calculator journey
Cost of Living CalculatorRecheck the monthly lifestyle target behind the shortfall.Open calculator →Retirement Income CalculatorSee how long pensions and invested capital may support the plan.Open calculator →Compound Growth CalculatorModel how monthly saving and time can help close the capital gap.Next calculator in the build →
Inflation & Withdrawal ToolsStress-test purchasing power and the income drawn from retirement capital.Coming in the finance suite →Keep the retirement plan connected to what is happening in Thailand
Thailand news, rule changes, travel updates, money developments and local events can all affect the assumptions behind a long-term plan. Make Just Landed Live part of your regular review.
Pension shortfall calculator FAQs
What is a pension shortfall?
The difference between the retirement income or capital you need and what your current pensions, savings and contributions are projected to provide.
How is the capital required estimated?
The calculator discounts the inflation-adjusted annual income gap over the planned retirement period using the assumed net retirement return.
Does this replace the Retirement Income Calculator?
No. This tool isolates the funding gap and ways to close it. The Retirement Income Calculator provides the fuller year-by-year sustainability projection.
Should I use optimistic investment returns?
No. Test a cautious base case and at least one lower-return scenario. Higher returns are uncertain and usually involve higher risk.
Does the result include tax?
No. Tax depends on residence, nationality, account structures and changing rules. Personal tax advice may be required.
Can couples use the calculator?
Yes, by entering combined income, savings and target spending, while allowing for the longer-lived partner.
What if my pension starts after I retire?
This first version uses income expected at retirement. Use the Retirement Income Calculator where different income start ages need to be modelled precisely.
How often should I update the result?
At least annually and after material changes to income, savings, retirement age, lifestyle goals, currencies or investment assumptions.
A retirement shortfall is not a verdict. It is a planning target.
The earlier you identify it, the more options you usually have to close it.
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