Home interest deduction up to 100,000 baht per year
Updated criteria for 2026 · Revenue Department sources last checked 26 July 2026
Home Interest Deduction Calculator
The Home Interest Deduction Calculator estimates a property-cost or return estimate for your scenario from the property value, financing or rental assumptions, time period, fees and rates shown on the page. Replace the example values with your own home interest deduction figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate home loan interest deduction Supports the case of single borrowers and joint borrowers.
Quick answer for reducing home interest.
Pay interest on house 80,000 baht, deductible 80,000 baht
The house interest reduction ceiling for the year 2026 is not more than 100,000 baht per year as actually paid. If you jointly borrow 2 people and share the burden equally, the total interest of 100,000 baht will be entitled to 50,000 baht per person.
The sample is actually paid.
80,000 baht
Can be reduced
80,000 baht
highest ceiling
100,000 baht/year
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Answer the home interest deduction questions correctly before entering the numbers.
Do not use the total installment amount instead of the interest amount.
1. See interest certificate.Use the entire year's interest from the bank. It is not the monthly installment amount including the principal.
2. Check co-borrowers.If there are many people, divide the rights and enter the number of co-borrowers before calculating.
3. Collect the loan contract.Used to confirm that the loan is for the purchase, lease, or construction of a residence.
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What is home interest deduction?
The Revenue Department allows interest on loans for purchasing, leasing, or constructing residential buildings to be tax deductible according to Section 47(1)(h) of the Revenue Code, up to 100,000 baht per year per person.
Important conditions
Must be a loan to purchase, lease, or build a residence. (not renovated)
Borrow from authorized financial institutions such as banks, finance companies.
Joint borrower: Each person deducts a proportionate amount. Total not more than 100,000 baht.
Applicable to all types of residences: detached houses, townhouses, condos.
Frequently asked questions
What is the maximum tax deduction on home interest?
Interest on loans to buy, lease, or build a residential building. Actual tax deduction of up to 100,000 baht per year according to Section 47(1)(h) of the Revenue Code.
How much can each borrower receive as a joint loan?
If many people borrow together Each person can reduce the amount in proportion to the actual installments. In total, everyone must not exceed 100,000 baht, for example, borrowing 2 with the same number of people, each person can deduct a maximum of 50,000 baht.
Can the refinancing interest be deducted?
Yes, interest from refinancing a home loan can be deducted according to the original conditions. As long as it is still a loan for your own original home.
What documents are required for home interest deduction?
Must have a certificate of interest from a bank or financial institution. that specifies the amount of interest paid in that tax year and a copy of the loan contract specifying the objective to purchase or build a residence.
The calculated results are estimates for tax or expense planning. Before actually submitting, you should check the latest rates and conditions from the official agency.
Calculated based on the information you enter and the rate specified on the tool page.
Special cases may require additional evidence or conditions.
The final numbers may change according to actual documents and government agency announcements.
Disclaimer: Calculation results are only estimates. It does not constitute tax or legal advice. Please consult a tax professional for your specific circumstances.
English calculator guide
How to use the Home Interest Deduction Calculator
Use this page to test a specific home interest deduction scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the home interest deduction estimate instead of relying on a generic example.
Build a baseline home interest deduction case with figures that match your situation.
Run a second home interest deduction case after changing the rate, period, quantity or other key assumption.
Record the difference between the two home interest deduction results and the input responsible for it.
Inputs for the home interest deduction estimate
For this home interest deduction calculation, check the property value, financing or rental assumptions, time period, fees and rates shown on the page. The result is designed to show a property-cost or return estimate for your scenario, not a guaranteed provider price or official decision.
How the home interest deduction result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same home interest deduction inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a home interest deduction decision
Confirm current lender, tax, transfer and provider terms before committing. For home interest deduction, Treat the result as an estimate for planning. Tax rules, eligibility and deduction limits can depend on the tax year and your evidence, so compare the result with current Revenue Department guidance or a qualified adviser. Check the important inputs and any current provider or authority rules before using the result for a decision.
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Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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