Maximum SSF 200,000 baht | Maximum group RMF 500,000 baht
Updated year criteria 2026
SSF/RMF Deduction Calculator
The SSF/RMF 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 ssf rmf deduction figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate SSF and RMF fund deductions and check whether they exceed the specified ceiling or not.
Fill in information
Applicable SSF deduction
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Applicable RMF deduction
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Total deduction SSF+RMF
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30% ceiling of income
Max SSF ceiling200,000 baht
Group total (SSF+RMF+PVD+Pension)
Group ceiling500,000 baht
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What are SSF and RMF?
SSF (Super Savings Fund) or mutual funds for savings It is a fund that helps promote long-term savings. Can be deducted up to 30% of income but not more than 200,000 baht. Must hold investment units for at least 10 years.
RMF (Retirement Mutual Fund) or mutual funds for retirement It is a fund for saving money for retirement. In the group of total ceiling 500,000 baht (together with PVD, GPF and pension insurance)
Frequently asked questions
What is the maximum SSF deduction?
Savings Mutual Funds (SSF) are tax deductible up to 30% of assessable income but not more than 200,000 baht per year and must hold SSF investment units for at least 10 years from the date of purchase.
How much can RMF be deducted and what are the conditions?
Retirement Mutual Funds (RMF) can deduct up to 30% of assessable income. It must be combined with SSF provident fund. Government Pension Fund And life insurance with annuity not exceeding 500,000 baht must be purchased continuously and can be redeemed at the age of 55 years.
Can SSF and RMF be purchased together?
Can be purchased together. SSF has a ceiling only of 200,000 baht, while RMF is in the total ceiling group of 500,000 baht (including SSF, PVD, GPF, pension insurance). Therefore, if you buy SSF 200,000 baht, you can still buy RMF in the amount of 30% of income, but the total amount in that group must not exceed 500,000 baht.
If I sell SSF/RMF before the deadline, will I have to pay taxes?
If you sell SSF before the maturity of 10 years or RMF before the maturity of 55 years and do not hold until the completion of 5 years, you must return the tax deducted along with penalties and interest. This can result in significantly higher costs.
Check before using results
Summary before using this number
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 financial or legal advice. Please consult an expert before deciding to invest.
English calculator guide
How to use the SSF/RMF Deduction Calculator
Use this page to test a specific ssf rmf 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 ssf/rmf deduction estimate instead of relying on a generic example.
Build a baseline ssf rmf deduction case with figures that match your situation.
Run a second ssf rmf deduction case after changing the rate, period, quantity or other key assumption.
Record the difference between the two ssf rmf deduction results and the input responsible for it.
Inputs for the ssf rmf deduction estimate
For this ssf rmf 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 ssf rmf deduction result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same ssf rmf deduction inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a ssf rmf deduction decision
Check the effective date and confirm current rules with the relevant Thai authority or a qualified adviser. For ssf rmf 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.
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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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