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calcthai.com · Thailand Net Salary Calculator
Money & tax
Thailand Net Salary Calculator
Your real take-home pay in Thailand after income tax, social security and provident fund — see exactly what lands in your account each month. Free.
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The salary written in your employment contract is rarely the amount that reaches your bank account. At minimum two things come out of it — social security and withholding tax — and many employers also deduct a provident fund contribution. This calculator shows what each of those takes and what is actually left. It is useful for checking a payslip you do not fully understand, planning your monthly budget, or comparing a job offer against your current pay.
If you are new to working in Thailand, one thing that surprises many people is that withholding tax here is an estimate of your annual liability spread across twelve months, not a fixed percentage of each payment. Your employer projects what you will owe for the whole year and deducts one twelfth each month.
How it works
Net salary is your gross salary less the following.
Social security. Employees contribute 5% of wages, calculated on a wage base that has both a floor and a ceiling. Anyone earning below 1,650 baht a month still contributes on the 1,650 baht floor, and anyone earning above the ceiling pays the same maximum amount as everyone else above it. From 1 January 2026 the ceiling rose to 17,500 baht, putting the maximum contribution at 875 baht a month.
Withholding tax. Your employer is required to estimate your income tax for the full year and deduct it in equal monthly instalments. This calculator does the same thing: it works out the annual tax from the income and deductions you enter, then divides by twelve.
Provident fund. If your company runs a provident fund, your chosen contribution — commonly between 3% and 15% of salary — is deducted from your pay. This money is not lost. It is your own long-term savings, it reduces your taxable income, and your employer usually contributes an additional amount alongside it.
One caveat worth understanding: the figure here is for an ordinary month. In a month when you receive a bonus, the amount paid to you is far higher, and the tax deducted that month is usually higher too. Employers also differ in how they spread the tax deduction across the year, so your actual payslip may vary a little from this estimate.
Frequently asked questions
Why does this not match my payslip exactly?
Several reasons. First, employers differ in how they spread the tax deduction — some take the same amount every month, others adjust late in the year once the bonus is known. Second, your company may make deductions this tool knows nothing about, such as a staff loan repayment, group insurance, or meal charges. Third, the deductions you declared to your HR department may differ from what you entered here.
Am I losing out by contributing to the provident fund?
No. Money going into a provident fund is still yours, simply held as long-term savings. Your employer normally contributes an additional amount on top, which is money you would not otherwise receive, and your own contribution reduces your taxable income so your tax falls as well. Less arrives in your account each month, but your total wealth increases.
At what salary does tax start being deducted?
For a single person with no special deductions, tax typically starts appearing at around 26,700 baht a month. With additional deductions — children, a spouse with no income, life insurance, or tax-deductible funds — the point at which tax begins is higher.
How is a bonus taxed?
A bonus is the same category of income as salary, so it goes into the annual tax calculation. In practice employers usually withhold at a higher rate in the month a bonus is paid, because the lump sum pushes your annual income into a higher bracket. If too much was withheld across the year, you get the difference back when you file your annual return.
Sources
Rates last verified 2 Sep 2026