Thai Tax Deduction Planner (2568/2025)

Plan your Thai personal income tax deductions so they work as hard as possible. Enter your salary as a monthly or annual figure, add the deductions you already have — spouse, children, parents, social security, life and health insurance, SSF, RMF, Thai ESG, provident fund, home loan interest, Easy E-Receipt and donations — and the planner applies the 50% expense deduction and the 2568/2025 progressive brackets. It then shows how much more SSF, RMF or insurance you can still buy up to each statutory cap, and estimates the tax you would save at your marginal rate. Everything runs in your browser and your figures never leave your device.

Income period

Monthly salary Annual income

Income (salary, Section 40(1)) *

฿

Gross salary before tax. Choose whether the figure is monthly or a full year.

Family allowances

Spouse with no income (฿60,000)

Number of children (optional)

฿30,000 per child (legitimate or adopted, within the eligible limit).

Of those, children who are the 2nd+ and born 2561 or later (optional)

These children get ฿60,000 each instead of ฿30,000.

Dependent parents aged 60+ (max 4) (optional)

฿30,000 for each qualifying parent (yours or your spouse's) with low income.

Insurance & investment

Social security contributions (optional)

฿

Contributions you paid (max ฿9,000/year). Typically 5% of salary, capped at ฿750/month.

Life insurance premiums (optional)

฿

Deductible up to ฿100,000 (combined with self health insurance).

Health insurance (self) (optional)

฿

Up to ฿25,000, but life + health insurance together cannot exceed ฿100,000.

Parents' health insurance (optional)

฿

Up to ฿15,000 for health insurance premiums paid for your parents.

SSF (Super Savings Fund) (optional)

฿

Up to 30% of income and ฿200,000 (shares the ฿500,000 cap with RMF and provident fund).

RMF (Retirement Mutual Fund) (optional)

฿

Up to 30% of income and ฿500,000 (shares the ฿500,000 cap with SSF and provident fund).

Thai ESG Fund (optional)

฿

Up to 30% of income and ฿300,000 (separate from the retirement cap).

Provident fund contributions (optional)

฿

Your qualifying contributions (share the ฿500,000 cap with SSF and RMF).

Other deductions

Home loan interest (optional)

฿

Mortgage interest on your residence, deductible up to ฿100,000.

Easy E-Receipt / shopping relief (optional)

฿

Qualifying goods and services under the scheme, deductible up to ฿50,000.

General donations (optional)

฿

Deductible up to 10% of income after other deductions.

Your deduction plan will appear here

Enter your income and the deductions you have to see your tax, deductions used and how much room is left to buy.

Net taxable income

—

Total tax (year)

—

Marginal rate

—

Extra tax you could save

—

Deductions used

Item	Used	Cap

Room to buy more & tax saved

Item	Can add more	Tax saved ~

Estimate only, for salary income under Section 40(1). Actual tax may vary — check with the Revenue Department or an accountant.

How to use

Enter your salary and choose whether the amount is monthly or for the whole year.
Add the family allowances you qualify for: spouse, number of children, and dependent parents.
Fill in the insurance and investment deductions you already hold — insurance, SSF, RMF, Thai ESG and provident fund.
Add home loan interest, Easy E-Receipt and donations if you have them; each cap is applied automatically.
Read your current tax, marginal rate, and the room-to-buy table with estimated tax saved, then Copy summary.

Features

Monthly or annual salary input for Section 40(1) income
Full 2568/2025 deductions including Thai ESG and Easy E-Receipt
Deductions-used table showing each item against its statutory cap
Remaining room to buy more SSF, RMF, Thai ESG or insurance up to the limit
Estimated tax saved per item based on your marginal rate
100% in your browser — no sign-up and your figures never leave your device

Frequently asked questions

How does this planner help me?

After you enter your income and existing deductions, it calculates your current tax, then shows how much more you can add to each capped item — SSF, RMF, Thai ESG and insurance — with an estimate of the tax each would save. That makes it easy to decide where to invest more before year end.

How is the tax saving calculated?

It is estimated at the marginal rate your net taxable income falls into. For example, if you are in the 20% bracket, adding ฿10,000 of SSF saves about ฿2,000. Buying a large amount can push you into a lower bracket, so the real saving may be a little less.

How do the SSF, RMF and provident fund caps combine?

SSF is up to 30% of income and ฿200,000; RMF is up to 30% and ฿500,000; but SSF, RMF and provident fund (with other retirement funds) together cannot exceed ฿500,000. Thai ESG has its own separate cap of 30% and ฿300,000.

How much can I deduct with Easy E-Receipt?

Qualifying purchases with an electronic tax invoice under the scheme are deductible up to ฿50,000. The scheme conditions and dates change each year, so check the latest announcement before relying on it.

Is the result accurate enough for filing?

It gives a reliable estimate for salary earners under Section 40(1) using current rules, but it does not cover every income type or special relief. Use it to plan, and confirm with the Revenue Department or an accountant before filing.