Why Is This Calculator More Accurate?
Most online SSO gratuity calculators use a fixed average interest rate (e.g., 3–4% per year) throughout your career — which can produce estimates that miss the real number by tens of thousands of baht. boonarayapon.com/calc works differently.
✅ 3 Reasons boonarayapon.com/calc Outperforms Every Free Tool
Real Royal Gazette interest rates — 28 years of data (1999–2026) for Section 33/39 and 16 years (2011–2026) for Section 40. Not estimates.
True annual compound interest — calculated year-by-year, not a simplified formula
100% transparent — estimated years (2025–2026) are clearly flagged as pending the official announcement
"The numbers from boonarayapon.com/calc come closer to what the Social Security Office actually pays out than any other free tool available."
— Boon Arayapon · Dr. BoonTwo Core Calculators for Thai Workers
👔 Section 33 / 39
Employees + voluntary contributors
Employees + voluntary contributors
28-year real interest rates (1999–2026)
Breakeven Age — Lump sum vs pension?
Side-by-side gratuity vs monthly pension
Save result as image · Share URL
8 languages supported
Calculate Sec. 33/39 →
🛒 Section 40
Freelancers · self-employed
Freelancers · self-employed
16-year real interest rates (2011–2026)
Supports mid-term option changes (2→3)
Extra savings slider 0–1,000 THB/mo
Input real figures from SSO+ app
Thai nationals only (Thai language)
Calculate Sec. 40 →
📊 How Does It Compare to Other Tools?
| Feature | boonarayapon.com/calc | CARE Formula Tool | Generic sites |
|---|---|---|---|
| Lump sum + real compound rates | ★★★★★ | Not available | ★★ |
| Gratuity vs Pension + Breakeven Age | ✅ Full | Not available | Rarely |
| Updated from Royal Gazette annually | ✅ Every year | New CARE formula | Approximate |
| Section 40 (Option 2/3) support | ✅ Full | Not available | Not available |
| Free · No ads · No data collection | ✅ Yes | ✅ Yes | Some sites |
| Multilingual support | ✅ 8 languages | Thai/English | Thai only |
🚀 How to Use It in 4 Steps
1
Open the SSO+ app → "Contributor Contributions" (Sec. 33/39) or "Annual Old-Age Contributions" (Sec. 40)
2
Note down the total per year — or tap "Fill average" for a quick estimate without all the details
3
Go to boonarayapon.com/calc → choose your section → fill in the table
4
Calculate → review Breakeven Age → screenshot or copy URL to share results with others
Frequently Asked Questions
What makes this calculator different from generic SSO calculators?
It uses the actual interest rate announced in Thailand's Royal Gazette each year — not a single fixed rate. This makes estimates dramatically more accurate, sometimes by 30,000–50,000 THB over a career.
What is Breakeven Age and how does it help me decide?
Breakeven Age is the age at which total monthly pension payments exceed the lump-sum gratuity. If you expect to live past that age, monthly pension is better. If not, take the lump sum.
Can foreign workers in Thailand use this calculator?
Yes — the Section 33/39 calculator supports 8 languages: Thai, English, Burmese, Lao, Khmer, Vietnamese, Chinese, and Japanese. Section 40 is Thai nationals only by law.
Is my data stored when I use the calculator?
No. All calculations run locally in your browser. No data is sent to any server. Completely private.
🧮 Check Your Real Balance Today
Open SSO+ · note down yearly figures · enter into the calculator
Know in 5 minutes whether Gratuity or Monthly Pension is right for you