Calculate what you need to buy How much to add SSF/RMF/insurance to reduce taxes?
Updated year criteria 2026
Tax Planning at the End of the Year Calculator
The Tax Planning at the End of the Year 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 tax planning at end year figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Fill in your available income and deductions. The system will calculate how much SSF, RMF or additional insurance you need to purchase. before the end of the year to save as much tax as possible
Current income and deductions information
Year-end reduction plan
Current taxes (before purchasing more)
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Tax after additional purchases according to the plan
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Total tax savings-
Year-end tax planning strategy
Year-end tax planning is to use the remaining deductions in full before 31 December. The easiest way is to buy SSF/RMF because the deductions are high and there are no special conditions.
Fund and insurance deductible ceiling for the year 2026
type
highest ceiling
SSF
30% of maximum income 200,000 baht
RMF (including other funds)
30% of maximum income 500,000 baht
life insurance
100,000 baht
Health insurance
25,000 baht
Frequently asked questions
Should I buy SSF or RMF?
SSF is suitable for those who want flexibility (holding for a minimum of 10 years from the date of purchase) while RMF is suitable for retirement savings (holding until the age of 55 years and must continue to purchase). Both can deduct 30% of income.
Until what day can I buy SSF?
Purchase and payment must be completed by December 31 of that tax year. to be used for deductions in that year There is no minimum annual limit.
How much is the combined deductible for life insurance and SSF?
Life insurance has a maximum deductible of 100,000 baht. SSF has a maximum deductible of 200,000 baht (30% of income). Both types have separate deductibles, not including ceilings.
If you buy SSF and make a loss, can you still get a discount?
Yes, because the right to deduct is calculated based on the investment amount. Not market value But if sold before the maturity date, the right will be forfeited and the tax deducted must be returned.
If income does not reach the tax ceiling, should I buy SSF?
If your net income after deductions is at the level 0% (not more than 150,000 baht), buying more SSF will not help reduce taxes but is still good long-term savings.
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. Reference the tax rate for the year 2026 from the Revenue Department. Please consult an expert before deciding to invest.
English calculator guide
How to use the Tax Planning at the End of the Year Calculator
Use this page to test a specific tax planning at end year 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 tax planning at the end of the year estimate instead of relying on a generic example.
Build a baseline tax planning at end year case with figures that match your situation.
Run a second tax planning at end year case after changing the rate, period, quantity or other key assumption.
Record the difference between the two tax planning at end year results and the input responsible for it.
Inputs for the tax planning at end year estimate
For this tax planning at end year 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 tax planning at end year result is calculated
The calculator applies the displayed statutory rates, thresholds and allowances to the figures you enter. Reusing the same tax planning at end year inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a tax planning at end year decision
Check the effective date and confirm current rules with the relevant Thai authority or a qualified adviser. For tax planning at end year, 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. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
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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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