Tax Calculator
Estimate your Thai personal income tax (PND 90/91) for tax year 2569 — every income type and deduction, with a tax-saving planner. Free, no sign-up.
- Free, no sign-up
- Runs in your browser
- Every 2569 deduction
- Latest rules
Income
Enter your annual income; expenses are deducted automatically by income type.
Deductions
Enter only what applies to you — caps are applied automatically.
Exempt income
฿190,000 of income is exempt for a taxpayer aged 65 or over, or a disabled taxpayer — an exemption from income, not an allowance.
Saved tax forms
A saved form holds your income and allowance figures, so we keep it in your account only — never lying around in a browser. Sign in to save and reload it anywhere. (The calculator itself stays free and needs no account.)
Free — no card needed
Tax already withheld
Tax due
฿2,500per year
≈ ฿208 per month
Effective tax rate
0.7%
Top marginal rate
5.0%
Calculation breakdown
- Total income
- ฿360,000
- Less expenses
- −฿100,000
- Personal allowance
- −฿60,000
- Less total deductions
- −฿60,000
- Net taxable income
- ฿200,000
Tax by bracket
| Net income band | Rate | Tax in band |
|---|---|---|
| ฿0 – ฿150,000 | 0% | ฿0 |
| ฿150,000 – ฿300,000 | 5% | ฿2,500 |
Save more tax
You still have deduction room left — use it to cut this year's tax.
- Save up to ฿2,500
Life insurance premiums
Room left: ฿100,000
- Save up to ฿2,500
Pension life insurance
Room left: ฿54,000
- Save up to ฿2,500
Provident fund / GPF / teacher fund
Room left: ฿54,000
- Save up to ฿2,500
RMF fund
Room left: ฿108,000
- Save up to ฿2,500
Thai ESG fund
Room left: ฿108,000
- Save up to ฿1,250
Own health insurance
Room left: ฿25,000
Estimated at your top marginal rate (5%).
This is a planning estimate only. Actual tax depends on your documents and the Revenue Department's rules for the year — verify before filing.
Free Thai income tax calculator 2569 (2026)
Tetono's tax calculator estimates your Thai personal income tax (PND 90/91) for tax year 2569 quickly and accurately. It supports every income type — salary, freelance, rental, business and more — and every deduction category under the latest rules.
Just enter your income and deductions: it computes net income, the progressive tax, the amount due or refundable after withholding, and shows how much more you could deduct to save tax. Everything runs in your browser — your income data never leaves your device.
Thai personal income tax rates, 2569
Personal income tax is progressive: the higher your net income, the higher the rate on the portion above each threshold. (These rates are unchanged for 2569.)
| Net income band | Rate | Tax in band |
|---|---|---|
| ฿0 – ฿150,000 | 0% | ฿0 |
| ฿150,000 – ฿300,000 | 5% | ฿7,500 |
| ฿300,000 – ฿500,000 | 10% | ฿20,000 |
| ฿500,000 – ฿750,000 | 15% | ฿37,500 |
| ฿750,000 – ฿1,000,000 | 20% | ฿50,000 |
| ฿1,000,000 – ฿2,000,000 | 25% | ฿250,000 |
| ฿2,000,000 – ฿5,000,000 | 30% | ฿900,000 |
| Over ฿5,000,000 | 35% | — |
What tax deductions are available in 2569?
Deductions lower the net income your tax is based on. These are the main 2569 deductions and their caps (enter them in the calculator above to see your result instantly).
| Deduction | Maximum | Group |
|---|---|---|
| Personal allowance | ฿60,000 | Personal & family |
| Spouse (no income) | Deduct ฿60,000 | Personal & family |
| Children (count) | ฿30,000 each | Personal & family |
| 2nd+ child born 2018 or later (count) | Extra ฿30,000 each (฿60,000 total) | Personal & family |
| Prenatal / maternity | Up to ฿60,000 / year | Personal & family |
| Supporting parents (count) | ฿30,000 each, max 4 | Personal & family |
| Supporting disabled persons (count) | ฿60,000 each | Personal & family |
| Social security | Up to ฿9,000 | Insurance, investment & funds |
| Life insurance premiums | With health ≤ ฿100,000 | Insurance, investment & funds |
| Own health insurance | Up to ฿25,000 (life+health ≤ ฿100,000) | Insurance, investment & funds |
| Parents' health insurance | Up to ฿15,000 | Insurance, investment & funds |
| Pension life insurance | 15% of income ≤ ฿200,000 | Insurance, investment & funds |
| Provident fund / GPF / teacher fund | 15% of income ≤ ฿500,000 | Insurance, investment & funds |
| RMF fund | 30% of income ≤ ฿500,000 | Insurance, investment & funds |
| National Savings Fund (NSF) | Up to ฿30,000 | Insurance, investment & funds |
| Thai ESG fund | 30% of income ≤ ฿300,000 | Insurance, investment & funds |
| Home loan interest | Up to ฿100,000 | Stimulus, home & donations |
| Political party donation | Up to ฿10,000 | Stimulus, home & donations |
| Education / sports / state hospital donation (×2) | Counts ×2, within the 10% donation cap | Stimulus, home & donations |
| General donations | Total donations ≤ 10% of income after deductions | Stimulus, home & donations |
How to calculate 2569 income tax
- 1Enter your annual salary or income, and add other income types if any.
- 2Choose standard or actual expense deduction for each income type.
- 3Add the deductions you have — insurance, funds, children, parents, donations.
- 4Enter the withholding tax already deducted during the year.
- 5See the tax due or refund, plus suggestions to deduct more and save tax.
Common tax-calculation mistakes
Forgetting life + health insurance share a ฿100,000 cap
Many enter ฿100,000 life and ฿25,000 health expecting ฿125,000 of deduction — but the two are capped together at ฿100,000.
Thinking SSF is still deductible in 2569
The SSF deduction ended in tax year 2567, so you can't buy SSF for a 2569 deduction. RMF and Thai ESG are still available.
Assuming Easy E-Receipt runs again in 2569
Easy E-Receipt (ช้อปดีมีคืน) needs fresh cabinet approval each year. None has been announced for 2569 — after Parliament was dissolved, the caretaker government can't sign off new tax measures — so it isn't deductible for now. We'll add it back if a new government revives it.
Overlooking the 0.5% minimum tax on non-salary income
If your non-salary income (rent, business, etc.) totals ฿1,000,000 or more, you owe at least 0.5% of it when that exceeds the progressive tax.
Miscalculating the donation cap
Donations are deductible up to 10% of income after other expenses and deductions — not 10% of total income.
Tax calculation FAQ
- At what salary do I start paying tax?
- After the 50% expense deduction (max ฿100,000) and the ฿60,000 personal allowance, the first ฿150,000 of net income is tax-exempt. Most people earning roughly ฿26,000/month or more start owing tax, depending on their deductions.
- Which tax year does this calculate?
- It defaults to tax year 2569 (income earned in 2026, filed in early 2027) and also lets you switch back to 2568 or 2567, using the rates and deduction rules in force for that year.
- Which deductions are supported?
- All main categories: personal, spouse, children, parents, disabled persons, social security, life/health insurance, parents' health, pension insurance, provident/GPF, RMF, NSF, Thai ESG, home loan interest and donations. Yearly stimulus measures such as Easy E-Receipt only appear in the years the government announced them (e.g. 2567–2568).
- Is there an Easy E-Receipt (ช้อปดีมีคืน) for tax year 2569?
- Not at the moment. Easy E-Receipt / ช้อปดีมีคืน requires fresh cabinet approval each year, and after Parliament was dissolved the caretaker government cannot approve new measures that bind the next government or reduce tax revenue. So it isn't available for 2569 yet — if a post-election government revives it, we'll add it to the calculator right away.
- Is SSF still tax-deductible?
- The SSF deduction ended in tax year 2567, so it isn't available for 2569. You can still deduct RMF (up to 30%, max ฿500,000 within the retirement group) and Thai ESG (up to 30%, max ฿300,000, separate).
- What is the 0.5% minimum tax?
- If your non-salary income (sections 40(2)–40(8)) totals ฿1,000,000 or more, the law requires at least 0.5% of it in tax when that exceeds the progressive tax (unless the figure is ฿5,000 or less).
- How much can I deduct for life and health insurance?
- Life insurance up to ฿100,000 and own health insurance up to ฿25,000, but the two together cannot exceed ฿100,000. Parents' health insurance adds up to ฿15,000 more.
- What is net income?
- Net income = total income − expenses − deductions. It's the base multiplied by the progressive rates. More deductions means lower net income and lower tax.
- When can I claim a refund?
- If the tax withheld during the year exceeds your actual tax, you get the difference back when you file PND 90/91 — usually e-fileable until around early April of the following year.
- Is the result accurate enough for filing?
- It's very close because it uses the statutory formula and caps, but it's a planning estimate. When you file, rely on your documents and the Revenue Department's system.