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Updated year criteria 2026
Real Returns Calculator
The Real Returns Calculator estimates a tax and statutory rate estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own real returns figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Calculate the real return after tax and inflation to compare investment options.
Calculation results
Return after tax (%/year)
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Real return after tax and inflation (%/year)
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Tax rate comparison table
Tax rate
After tax.
After tax + inflation.
How to calculate real return after tax and inflation
After-tax return = Before-tax return × (1 - Tax rate/100) Real return after tax = ((1 + return after tax/100) / (1 + inflation/100)) - 1
Example comparison
If you get a return of 7%/year, tax 15%, inflation 3.5%, After-tax return = 7% × 0.85 = 5.95% Real return = (1.0595/1.035) - 1 = 2.37%
Frequently asked questions
How much is the interest and dividend tax in Thailand?
Deposit interest and debt securities are tax deductible at the payment point 15% Dividend is tax deductible 10% but can be included in the calculation of personal income tax for refund.
Why is return after tax and inflation important?
Because it's a true reflection of wealth, pre-tax returns may look attractive, but after taxes and inflation, purchasing power gains may be very small. Comparing investment options with post-tax and inflation figures is more accurate.
How can we reduce the tax burden on investment?
Invest in SSF/RMF funds to reduce income tax deductions, use securities fund instead of direct interest, consider investing in long-term equities where capital gains are not taxed in Thailand, and diversified assets to effectively use tax exemptions.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The calculation results are only estimates. Actual tax rates depend on the type of income and personal situation. They are not financial or tax advice.
English calculator guide
How to use the Real Returns Calculator
Use this page to test a specific real returns 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 real returns estimate instead of relying on a generic example.
Build a baseline real returns case with figures that match your situation.
Run a second real returns case after changing the rate, period, quantity or other key assumption.
Record the difference between the two real returns results and the input responsible for it.
Inputs for the real returns estimate
For this real returns calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a tax and statutory rate estimate for your scenario, not a guaranteed provider price or official decision.
How the real returns result is calculated
The calculator applies the displayed statutory rates, thresholds and allowances to the figures you enter. Reusing the same real returns inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a real returns decision
Confirm any current rate, threshold or provider rule that could change the final amount. For real returns, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
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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