Thailand Salary Calculator — Net Take-Home Pay

Net salary — often called take-home pay — is the amount that actually lands in your bank account each month, after your employer withholds the deductions required by Thai law. It is always lower than the gross salary written in your employment contract, and the gap surprises many people starting a new job in Thailand: a 30,000 THB contract salary does not mean 30,000 THB in your account.

For regular employees in Thailand there are two mandatory deductions: social security contributions (Section 33 of the Social Security Act) and withholding income tax under Section 50(1) of the Revenue Code. If your company offers a provident fund, your chosen PVD contribution (2-15% of salary) is deducted as well.

This Thailand salary calculator handles all three in one click, using the rules in force for 2026 — including the new 17,500 THB social security wage ceiling effective 1 January 2026 — and the standard monthly withholding method defined in Revenue Department Instruction Paw 96/2543. Use it to check your payslip, compare job offers on a like-for-like basis, or plan your monthly budget.

1. Social Security — 5% (max 875 THB/month)

Every Section 33 employee pays 5% of wages into the Social Security Fund, matched by the employer. From 1 January 2026, the wage ceiling used for the calculation rose from 15,000 THB to 17,500 THB under a ministerial regulation published in the Royal Gazette in December 2025, lifting the maximum employee contribution from 750 THB to 875 THB per month.

If you earn below the ceiling, you pay 5% of your actual salary — e.g. 750 THB on a 15,000 THB salary. Contributions are tax-deductible in full (up to 10,500 THB/year). See the social security calculator for employer contributions and benefits.

2. Withholding Income Tax

Thai employers must withhold income tax from each paycheck and remit it to the Revenue Department (form PND 1). The standard method under Instruction Paw 96/2543 is: annualize the salary (x12) → subtract expenses and allowances → compute tax with the progressive brackets → divide by 12. The result is withheld every month.

The basic deductions your employer applies automatically are:

• Employment expense: 50% of income, capped at 100,000 THB
• Personal allowance: 60,000 THB
• Social security contributions: actual amount paid (max 10,500 THB/year)
• Provident fund contributions: actual amount deducted

If you have additional allowances — spouse, children, life insurance, SSF/RMF funds — you can declare them to your employer on form Lor Yor 01 so less tax is withheld each month instead of waiting for a refund. In this calculator, enter the total of those allowances in the "Extra Annual Tax Allowances" field.

3. Provident Fund (If Offered)

Companies with a provident fund deduct your chosen savings rate (2-15% of salary) each month, and the employer contributes a matching amount on top. This money is not lost — it is your own retirement savings, invested on your behalf, and deductible from taxable income up to 15% of wages and 500,000 THB/year. Project your fund balance at retirement with the provident fund calculator.

Thai personal income tax is progressive: the first 150,000 THB of net taxable income is exempt, then rates step up from 5% to 35% on income above 5 million THB. For a full-year calculation with every allowance type, use the Thailand income tax calculator.

The table below assumes only the basic deductions (employment expense + personal allowance + social security), with no provident fund or extra allowances:

Note that salaries up to roughly 26,700 THB/month attract no withholding tax at all, because net taxable income stays under the 150,000 THB exemption threshold — social security is the only deduction at those levels.

• Declare allowances on form Lor Yor 01: Reporting spouse, child, insurance, mortgage interest, and fund allowances to your employer reduces monthly withholding immediately, instead of locking up cash until refund season.
• Increase your PVD rate: Every baht contributed lowers your taxable income. At a 20% marginal rate, an extra 10,000 THB/year of PVD saves 2,000 THB in tax — plus employer matching.
• Buy SSF/RMF before year-end: These retirement funds cut your annual tax and often produce a sizeable refund when you file PND 91 between January and March.
• Check every payslip: Verify social security is capped at 875 THB and the tax roughly matches this calculator. Over-withheld tax is refundable, but only after you file.
• File even if you owe nothing: Employees earning over 120,000 THB/year from employment must file a return even when the computed tax is zero.

• This tool models regular salary only — bonuses, overtime, and commissions increase withholding in the month they are paid.
• Results are an estimate based on the standard Paw 96/2543 method; payroll systems may round or smooth tax slightly differently.
• Monthly withholding is a prepayment — your true liability is settled when you file PND 91 after year-end, which may produce a refund or a top-up.
• If you work less than 12 months in the year (new job or mid-year resignation), the annualized projection overstates income, and your final tax is usually lower than what was withheld.
• Everyone earning above 17,500 THB/month pays the same 875 THB social security contribution — whether the salary is 20,000 or 200,000 THB.
• Foreign employees under Section 33 have the same deductions; double-tax treaties may affect the annual filing but not monthly payroll withholding.