Taxes & Finance
Thailand taxes you on where you live and where your income comes from, not on your passport. Spend 180 days or more here in a calendar year and you're a tax resident; earn a Thai salary and your employer withholds tax and social security before you see it. The rules are simpler than they look once the pieces are in the right order, and the numbers change often enough that a guessed figure is usually a wrong one.
This hub collects every tool and guide on the site about money in Thailand: what you'll pay, what you'll take home, how to get set up with a bank and a tax ID, and how to move money in and out without losing it to fees. Every figure is fenced to an official Thai source and dated.
Start here
Working for a Thai employer
Retiree or living on income from abroad
Running a business or freelancing
Tools
Estimate your Thai personal income tax, effective vs. marginal rate, and monthly take-home pay.
Quickly estimate your Thai take-home pay after tax and social security.
Work out the gross salary you'd need to reach a target take-home pay in Thailand.
Combine salary, bonuses, and other income into a total annual figure.
Add or remove Thailand's 7% VAT from a price.
Estimate Thai withholding tax by payment type — services, rental, dividends, and more.
Estimate Thai corporate income tax at the standard rate or the progressive SME brackets.
Calculate return on investment from an initial investment and a return amount.
See whether you're due a refund by comparing tax withheld against your actual tax liability.
Calculate the monthly payment and total interest on a fixed-term loan.
Estimate your monthly mortgage payment from a property price, down payment, rate, and term.
Find out how long it'll take to pay off a credit card balance, and how much interest you'll pay.
Convert between Thai baht and major currencies at a live reference rate.
See how much a bank or money changer's rate is really costing you versus the mid-market rate.
See how withdrawal size changes what Thai ATM fees cost you as a percentage of your cash.
See how an investment grows over time with compound interest.
Project how your savings will grow with regular monthly contributions.
Estimate the transfer fee and specific business tax or stamp duty on a Thai property sale.
Estimate the tax on a bonus payment and your net amount after tax.
Guides
How Thai income tax works for foreigners in 2026: residency rules, tax brackets, deductions, and a worked take-home pay example.
Thailand's 2026 income tax brackets at a glance, how progressive bands actually apply to your salary, and three worked examples with real numbers.
How Thailand's Social Security scheme works in 2026: the new ฿17,500 contribution ceiling, what you pay, and all seven benefits explained.
How foreigners open a bank account in Thailand: what banks commonly require, why it varies by branch, and how to improve your odds in 2026.
How to actually compare money-transfer costs to Thailand in 2026: fees, exchange margin, and the tax-residency remittance rule almost nobody mentions.
Who actually needs a Thai Tax Identification Number, what documents you need, and the two ways to get one.
Thai ATM fees for foreign cards are a flat per-withdrawal charge, not a percentage — so withdrawal size changes what you actually pay. How that works, your home bank's own fee, and why to always decline Dynamic Currency Conversion.
Frequently asked questions
Do foreigners pay income tax in Thailand?
Yes, on the same progressive scale as Thai citizens — 0% to 35% on net income after deductions, with the first ฿150,000 exempt. Whether foreign-sourced income is taxed depends on residency and when it's brought in; the foreigners guide covers the rules.
When am I a Thai tax resident?
Any calendar year in which you're in Thailand for 180 days or more, regardless of visa type.
How much is Thai social security?
Employees pay 5% of salary, capped at ฿875 a month on a ฿17,500 wage ceiling from 2026, matched by the employer.
When is the Thai tax return due?
Personal returns (PND 90/91) for the previous calendar year are filed in the first quarter — by the end of March on paper, with a short extension for online filing.
Do I need a Thai tax ID number?
If you have assessable income in Thailand, yes. Employees usually get one through their employer; others apply at a Revenue Department office — see the tax ID guide.