RMF / SSF / ThaiESG Purchase-Limit Calculator

Find out exactly how much RMF, SSF and ThaiESG you can still buy this tax year without wasting your allowance. Enter your annual assessable income and what you have already put into each retirement product, and the calculator applies the 30% rules, each fund cap, and the shared ฿500,000 retirement ceiling. It then shows your remaining room for each fund, whether you have hit the combined cap, and an estimate of the income tax you would save at your marginal rate — all in your browser, with nothing sent anywhere.

Annual assessable income *

฿

Your total assessable income for the year. Each fund limit is 30% of this figure, subject to its own cap.

Marginal tax rate

The rate of your top income band. Leave on Auto for a rough estimate, or pick your actual rate for a sharper tax-saving figure.

Already contributed this year

Enter what you have already paid in this tax year so the tool can work out your remaining room.

SSF already bought (optional)

฿

Super Savings Fund units purchased so far this year.

RMF already bought (optional)

฿

Retirement Mutual Fund units purchased so far this year.

Provident fund / GPF (กบข.) (optional)

฿

Your own contributions to a provident fund or the Government Pension Fund this year.

Pension life insurance (optional)

฿

Pension-type life insurance premiums (up to 15% of income, max ฿200,000).

National Savings Fund (กอช.) (optional)

฿

Contributions to the National Savings Fund (max ฿30,000).

ThaiESG (separate limit)

ThaiESG already bought (optional)

฿

Thai ESG fund units bought this year. This limit is separate from the ฿500,000 group.

Your purchase room will appear here

Enter your annual income to see how much SSF, RMF and ThaiESG you can still buy and the tax you would save.

SSF room left

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RMF room left

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ThaiESG room left

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Combined ฿500k room

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Tax saved (max buy)

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Limits, used and room by fund

Fund / contribution	Max limit	Already used	Room left

Estimate only, based on current fund rules. Your actual eligible amount depends on your full tax profile — confirm with the Revenue Department or a licensed adviser before investing.

How to use

Enter your total annual assessable income for the tax year.
Choose your marginal tax rate, or leave it on Auto to estimate it from your income.
Fill in what you have already contributed this year: SSF, RMF, provident fund or GPF, pension insurance and the National Savings Fund.
Add any ThaiESG you have bought — it has its own separate ฿300,000 limit.
Read your remaining SSF, RMF and ThaiESG room, the ฿500,000 combined check, and the estimated tax saved, then Copy summary.

Features

Separate SSF (max ฿200,000), RMF (max ฿500,000) and ThaiESG (max ฿300,000) limits, each at 30% of income
Enforces the shared ฿500,000 retirement ceiling across SSF, RMF, provident fund, GPF, pension insurance and the National Savings Fund
Warns you if your existing contributions already exceed the combined ฿500,000 cap
Estimates the income tax you would save at your marginal rate if you buy the maximum
Clear per-fund table of limit, amount used and remaining room
100% in your browser — no sign-up and your figures never leave your device

Frequently asked questions

How much RMF and SSF can I buy each year?

RMF is limited to 30% of your assessable income, capped at ฿500,000. SSF is 30% of income, capped at ฿200,000. On top of that, RMF, SSF, provident fund, GPF, pension insurance and the National Savings Fund together cannot exceed ฿500,000 in one year.

What is the ฿500,000 combined retirement limit?

Most retirement tax-saving products share a single ฿500,000 annual ceiling. If your provident fund and pension insurance already use part of it, the room left for new RMF and SSF is reduced. This tool subtracts what you have used to show the real room remaining.

Is ThaiESG part of the ฿500,000 limit?

No. ThaiESG has its own separate allowance of 30% of income, capped at ฿300,000, and does not count toward the ฿500,000 retirement group. That means you can invest in ThaiESG on top of a fully used ฿500,000 retirement ceiling.

How is the tax saving calculated?

The amount you invest is deducted from your taxable income, so the tax saved is roughly your investment multiplied by your marginal tax rate. This tool estimates the saving if you use all remaining room; choose your actual marginal rate for a sharper figure.

What if I have already bought more than the limit?

Any amount above a fund cap or above the ฿500,000 combined ceiling is not tax deductible. The calculator clamps each entry to its cap and shows a warning when your combined contributions already exceed ฿500,000.

Are these figures official and safe to file with?

They are a good planning estimate based on the current fund rules, but your real eligible amount depends on your full income and other deductions, and rules can change. Confirm with the Revenue Department or a licensed adviser before investing or filing.