HelloCalcSabaiTH

Thai Social Security & Pension Calculator

Calculate Thai social security contributions for Sections 33, 39 and 40, and the monthly old-age pension you will get at 55 from months contributed and average wage.

Insured under
S.33 employees · S.39 left work, paying yourself · S.40 self-employed
THB
months
You need 180 months (15 years) for a pension. Check your record in the SSO Connect app.
THB
Leave blank to use your salary up to the 17,500 cap (Section 39 uses 4,800)
Your contribution / month0.00
Employer contribution / month
0.00
You pay per year
0.00
Estimated old-age pension / month
0.00
Pension rate
0%
Months until the next +1.5%
–
Pension not enough? Plan extra savings →

How it works

Choose your section, then enter your salary (Section 33) or option (Section 40) to see the monthly contribution. For the pension, enter the months you have contributed (from the SSO Connect app) and your expected average wage to estimate the monthly pension at age 55.

Formula

Section 33 = salary (between 1,650 and 17,500) × 5% · Section 39 = 4,800 × 9% = 432 baht

Pension = average wage of the last 60 months × (20% + 1.5% × each full 12 months beyond 180)

Three kinds of insured person

Section 33 Section 39 Section 40
Who Company employees Former Section 33 members who left work and keep paying Self-employed and informal workers
Contribution 5% of salary (max 875) 432 baht/month 70 / 100 / 300 baht/month
Others who contribute Employer (same amount) and government Government Government
Old age Pension or lump sum Pension or lump sum Lump sum only (options 2–3)

Section 39 must be applied for within 6 months of leaving work, after at least 12 months under Section 33. Section 40 is open from age 15 to 65.

How much is the old-age pension?

With 180 months of contributions (15 years, not necessarily in a row), at age 55 and after leaving the scheme, you get a monthly pension for life:

  • Base rate — 20% of your average wage over the last 60 months
  • Increase — another 1.5% for every 12 months beyond 180
Months contributed Rate Average wage 15,000 Average wage 17,500 Section 39 (4,800 base)
180 (15 years) 20% 3,000 3,500 960
240 (20 years) 27.5% 4,125 4,812.50 1,320
300 (25 years) 35% 5,250 6,125 1,680
360 (30 years) 42.5% 6,375 7,437.50 2,040

The wage cap for contributions was 15,000 baht and rose to 17,500 baht in 2026. For people retiring soon, the 60-month average will fall between the two, rising over time as the new cap takes effect.

Under 180 months: a lump sum

With fewer than 180 months you get a one-off old-age lump sum instead:

  • Under 12 months: only your own old-age contributions
  • 12 months or more: your and your employer’s contributions plus the returns announced by the Social Security Office each year

Check your contribution record in the SSO Connect app or on the Social Security Office website.

Is moving from Section 33 to 39 worth it?

You keep your coverage and keep counting months toward 180, including medical care. But Section 39 uses a 4,800 baht wage base. If Section 39 months make up most of your last 60 months, your average wage drops sharply and so does your pension. Try the expected average in the calculator to compare.

Is the pension enough?

A pension of 3,000–7,000 baht a month is unlikely to be enough for most people. Plan extra savings through a provident fund, RMF or monthly investing. Use the compound interest calculator to see how much to save each month.

Note: there is a proposal to base the pension on the last 180 months’ average wage instead of 60. At the time of writing it has not taken effect.

FAQ

How much social security is deducted each month?

Section 33 is 5% of salary, calculated on 1,650–17,500 baht, so at most 875 baht a month, matched by your employer. Section 39 is 432 baht a month. Section 40 is 70 / 100 / 300 baht depending on the option.

How is the old-age pension calculated?

With 180 months of contributions (not necessarily in a row), at age 55 and after leaving the scheme, you get 20% of your average wage over the last 60 months, plus 1.5% for every 12 months beyond 180. An average wage of 13,000 baht gives 2,600 baht a month.

What if I contributed for less than 180 months?

You get a one-off lump sum. Under 12 months, only your own old-age contributions; 12 months or more, your and your employer’s contributions plus returns. Check the amount in the SSO Connect app.

Does moving from Section 33 to 39 reduce my pension?

Section 39 uses a 4,800 baht wage base. If Section 39 months make up most of your last 60 months, your average wage drops and so does your pension. Enter the average you expect in the average wage field to see the effect.

References

  • Section 33 contributions — Effective from 1 January 2026 to 31 December 2028 · source
  • Section 39 contributions — Effective from 1 January 2015 · source
  • Section 40 contributions — Effective from 1 January 2026 · source
  • Old-age pension — Effective from 1 January 2007 · source

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