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Updated year criteria 2026
Provident Fund Deduction Calculator
The Provident Fund Deduction Calculator estimates an income, tax or statutory-cost estimate for the figures entered from the income, employment or business status, relevant period, allowances and current thresholds shown on the page. Replace the example values with your own provident fund deduction figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate provident fund contributions that are tax deductible. Ready to check the ceiling together with RMF/SSF up to 500,000 baht per year.
Fill in salary and contribution information
Provident fund calculation results
Contribution/year
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Really reduces PVD.
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Quota RMF/SSF remaining
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Estimated tax savings
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Provident fund and tax deduction
Provident Fund (PVD) is a fund where employers and employees jointly contribute money for long-term savings. Employees can actually use their contributions as a tax deduction. It is within the ceiling of 500,000 baht combined with RMF and SSF.
Total ceiling reduction 500,000 baht
Provident fund (PVD) — employee portion
RMF (Retirement Mutual Fund)
SSF (Savings Mutual Fund)
Government Pension Fund (GPF)
National Savings Fund (National Savings Fund)
All of this together must not exceed 500,000 baht per year.
Frequently asked questions
What is the maximum deductible from the provident fund?
Can be deducted according to the actual contribution amount, but combined with RMF, SSF, Government Pension Fund (GPF) and National Savings Fund, must not exceed 500,000 baht per year.
What is the rate of contributions to the provident fund?
Employees can contribute. 2-15% of salary and the employer will contribute in the proportion specified in the fund regulations. The portion that can be deducted is the employee's portion only.
If investing in RMF as well, must it be combined with a provident fund?
Yes, RMF investments, SSF, and provident fund contributions. The total must not exceed 500,000 baht per year for deductions.
Can I withdraw money before the deadline?
Can be withdrawn when leaving work. But tax may be required if withdrawn before the conditions are met (age 55 years and membership reaches 5 years). The portion that has already been deducted will be included in the tax calculation in the year of withdrawal.
How is a provident fund better than RMF?
Provident funds have the advantage that employers contribute as well. Makes the total return higher There is no minimum requirement for continuous investment, unlike RMF which requires continuous investment every year.
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 Provident Fund Deduction Calculator
Use this page to test a specific provident fund 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 provident fund deduction estimate instead of relying on a generic example.
Build a baseline provident fund deduction case with figures that match your situation.
Run a second provident fund deduction case after changing the rate, period, quantity or other key assumption.
Record the difference between the two provident fund deduction results and the input responsible for it.
Inputs for the provident fund deduction estimate
For this provident fund deduction calculation, check the income, employment or business status, relevant period, allowances and current thresholds shown on the page. The result is designed to show an income, tax or statutory-cost estimate for the figures entered, not a guaranteed provider price or official decision.
How the provident fund deduction result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same provident fund deduction inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a provident fund deduction decision
Check the effective date and confirm current rules with the relevant Thai authority or a qualified adviser. For provident fund 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. Recheck the entered values and units if the result looks unexpected.
Language QA
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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