Categories
Loans & instalments
Tools for borrowing in Thailand, covering reducing-balance home loans, the flat-rate car loans that Thai finance companies use, credit card interest and refinancing. Flat rates are converted to their true effective rate so you can compare offers fairly.
10 tools in this category
Thailand Credit Card Interest Calculator
Work out credit card interest at the Bank of Thailand 16% annual cap, and see how many years minimum payments take and what they cost in total interest.
Debt Payoff Planner
Combine up to four credit card, personal loan or other debts, choose highest-rate-first or smallest-balance-first, and see how many months it takes and the interest saved versus minimum payments.
Thai Legal Default Interest Calculator (5%)
Calculate default interest under the Civil and Commercial Code as amended in 2021, at 5% a year, or the 3% statutory rate when no rate was agreed, as simple interest by days.
Thailand Home Loan Calculator
Work out the monthly payment on a Thai mortgage with a full amortisation schedule, showing total interest and how quickly the principal comes down.
0% Installment vs Cash Discount Calculator
Compare a 0% installment plan with a cash discount. Find the hidden annual interest in the installment, the monthly payment and the value of keeping your cash invested while you pay.
Thailand Borrowing Capacity Calculator
Work out how much you could borrow for a home in Thailand on the debt-to-income rule banks apply, and what property price that puts within reach.
Compare Two Loan Offers
Compare home, car or personal loan offers from two lenders for the same amount, including rate, term and up-front fees, to see the monthly payment, total cost and effective cost rate with fees.
Mortgage Prepayment Calculator
See how many months an extra monthly payment or a one-off lump sum takes off your home loan, and how much interest it saves, while keeping the same instalment and a fixed rate.
Personal Loan Flat Rate to Effective Rate Calculator
Convert a personal or vehicle-title loan's flat rate into the effective yearly rate on a reducing balance, including fees deducted at drawdown, and compare with the Bank of Thailand cap.
Thailand Mortgage Refinance Calculator
Compare your current Thai home loan against a new offer: monthly saving, total saving, and how many months it takes to recover the refinancing costs.