A retirement budget helps show how much of your regular spending can be covered by monthly income. The referenced video discusses inflation and cash flow in broad terms, but does not itemize retirement expenses. This guide uses Bank of Thailand material as a starting point and does not assume that one estimate fits everyone.
List expenses from your actual life
- Monthly: housing, food, utilities, transportation and any remaining debt payments.
- Annual or occasional: insurance, home repairs, equipment replacement, travel and family expenses.
- Health and care: keep these separate from the general budget and review the benefits or coverage available to you.
- Reserves: set aside accessible funds for emergencies; do not count them as ordinary spending money.
Use percentage estimates only as a starting point
The Bank of Thailand says monthly expenses after retirement may be roughly estimated at around 70–80% of pre-retirement expenses. That example does not include inflation or healthcare costs that may rise with age, so do not use the percentage as your personal target without reviewing your own expenses.
Once you have a clear expense budget, add income you can rely on and compare it with each spending category. If there is a gap, test reductions or changes to flexible expenses and review how much savings you may need to withdraw. The Bank of Thailand recommends preparing an income-and-expense plan and adjusting it as circumstances change.
Continue with estimating the retirement fund you need and testing a plan across different time horizons, or use the retirement planner.
Sources and scope
Updated October 16, 2026. The 70–80% figure is an estimate from the cited Bank of Thailand material, not a personal spending target. It excludes inflation and healthcare costs; actual expenses differ from person to person. The referenced video discusses inflation and cash flow broadly, not a detailed retirement budget.