How it works
Enter your monthly salary, plus any bonus and provident fund rate. The calculator deducts social security, your fund contribution and monthly withholding tax. If you have a spouse, children or insurance, open "Extra allowances" for a more accurate tax figure.
Formula
Social security = salary × 5% (on a salary between 1,650 and 17,500 baht)
Monthly tax = annual tax on (salary × 12 − 50% expenses up to 100,000 − allowances) ÷ 12
Take-home pay = salary − social security − provident fund − monthly tax
Bonus tax = annual tax including bonus − annual tax on salary alone
What is net salary?
Net salary (take-home pay) is what actually reaches your bank account after your employer makes the legal and agreed deductions. Most Thai employees have three:
- Social security — 5% of salary, calculated on at most 17,500 baht, so no more than 875 baht a month
- Provident fund — if your company has one and you joined, usually 2–15% of salary
- Withholding tax — your employer estimates your annual tax and withholds an equal part each month
Example take-home pay
Single, no provident fund, no other allowances:
| Salary | Social security | Tax per month | Take-home |
|---|---|---|---|
| 15,000 | 750 | 0 | 14,250 |
| 20,000 | 875 | 0 | 19,125 |
| 25,000 | 875 | 0 | 24,125 |
| 30,000 | 875 | 164.58 | 28,960.42 |
| 40,000 | 875 | 704.17 | 38,420.83 |
| 50,000 | 875 | 1,704.17 | 47,420.83 |
| 70,000 | 875 | 4,410.42 | 64,714.58 |
| 100,000 | 875 | 10,197.92 | 88,927.08 |
Salaries up to about 26,700 baht a month (single, no other income) usually pay no income tax, because after expenses and allowances net income stays within the first 150,000 baht, which is tax-free.
The social security cap is rising
From 2026 the wage cap for contributions rose from 15,000 to 17,500 baht, with further steps to 20,000 baht in 2029–2031 and 23,000 baht from 2032. If you earn above the cap, your deduction rises with each step, but benefits such as unemployment pay and the old-age pension are also based on the higher wage.
Monthly tax is only an estimate
At the end of the year your employer gives you a withholding tax certificate (50 Tawi). You file a PND 91 return by 31 March of the following year (online filing usually gets extra time). If you have allowances you did not tell your employer about, such as life insurance, RMF or home loan interest, you get a refund.
Why is so much tax taken in the bonus month?
A bonus raises your annual income, so the extra is taxed at your highest bracket. Many employers withhold all of it in the month the bonus is paid. This calculator shows the bonus tax separately so you can see what the bonus is really worth.
Legal ways to take home more
- Tell HR about your allowances — children, parents, life insurance. Monthly withholding drops right away instead of waiting for a refund.
- Provident fund — your take-home falls, but you get your employer’s matching contribution and a tax deduction, which is a good deal for most people.
- Buy RMF or Thai ESG — reduces your annual tax. See the RMF & Thai ESG calculator.
FAQ
How much is the take-home pay on a 30,000 baht salary?
Single with no provident fund: social security is 875 baht and withholding tax about 164.58 baht a month, leaving about 28,960 baht in your account.
How much social security is deducted each month?
5% of salary, calculated on at most 17,500 baht, so the maximum is 875 baht a month from 2026. The cap rises in steps in 2029 and 2032.
How is monthly withholding tax on salary calculated?
Payroll estimates your annual tax from salary × 12 minus expenses and the allowances you declared, then divides it by 12. If too much is withheld, you get a refund when you file your return.
Why is so much tax taken from my bonus?
A bonus raises your annual income, so the extra is taxed at your highest bracket. Some employers withhold all of it in the bonus month, which looks large, but the yearly total is the same.
References
Related tools
- Thai Personal Income TaxEstimate Thai personal income tax with progressive brackets and the main allowances. See tax per bracket and your average rate.
- RMF & Thai ESG Tax Saving CalculatorHow much RMF and Thai ESG to buy, the maximum you can claim, how much tax you save and how much more you need to drop a tax bracket.
- Home Loan CalculatorMonthly mortgage payment, total interest, a yearly payment schedule, the income banks expect and how much extra monthly payments save.