Find out what type of deductions you should add first to save the most taxes.
Updated year criteria 2026
Efficiency of Tax Deductions Calculator
The Efficiency of Tax Deductions 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 efficiency tax deductions figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Enter your current income and deductions. The system will analyze the marginal tax rate. and recommend which type of deductions should be added first in order to save the most tax.
Fill in current income and deductions information.
Analysis results
Current taxes
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Marginal tax rate
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Save per 1,000 baht deducted.
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How to optimize tax deductions
The main strategy is to maximize the deductions in the highest tax bracket you are in first. For example, if you are in the 20% bracket, investing in SSF 100,000 baht will save tax up to 20,000 baht.
Priority of deductible
Use basic rights first: personal, social security
Life and health insurance (has protection as well)
SSF / RMF funds (increase long-term savings)
Home interest (if any)
Frequently asked questions
What is the marginal tax rate?
Marginal tax rate It is the tax rate that is applied to your final income. If you are at the 20% level, this means that every additional 1,000 baht deducted will save 200 baht in taxes.
What is the deductible that should be taken advantage of first?
You should use deductions that have a high ceiling and a high effective interest rate first, such as SSF funds (30% of income, maximum 200,000), RMF (30%, maximum 500,000 including other funds), life insurance (maximum 100,000), and health insurance (maximum 25,000).
How much can SSF and RMF be deducted?
SSF funds can be deducted 30% of income up to 200,000 baht per year. RMF can be deducted 30% of income, but when combined with provident funds/pension life insurance, it must not exceed 500,000 baht.
Is it true that after deducting more you actually get a tax refund?
If at present the withholding tax has been overdone Additional deductions will result in a larger tax refund. But if it is actually deducted less than Additional deductions will reduce the additional amount due at the close of the tax year.
When can I buy SSF?
Must be purchased and paid by December 31 of that tax year. to be deducted in that year Can't go back.
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: The analysis results are only estimates. Reference the tax rate for the year 2026 from the Revenue Department. Please consult a tax planning expert for your specific case.
English calculator guide
How to use the Efficiency of Tax Deductions Calculator
Use this page to test a specific efficiency tax deductions 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 efficiency of tax deductions estimate instead of relying on a generic example.
Build a baseline efficiency tax deductions case with figures that match your situation.
Run a second efficiency tax deductions case after changing the rate, period, quantity or other key assumption.
Record the difference between the two efficiency tax deductions results and the input responsible for it.
Inputs for the efficiency tax deductions estimate
For this efficiency tax deductions 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 efficiency tax deductions result is calculated
The calculator applies the displayed statutory rates, thresholds and allowances to the figures you enter. Reusing the same efficiency tax deductions inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a efficiency tax deductions decision
Check the effective date and confirm current rules with the relevant Thai authority or a qualified adviser. For efficiency tax deductions, 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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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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