Free tool

Thailand Retirement Budget Calculator

Most first budgets are 20 to 30 per cent too optimistic.

Start from a typical budget, change any line to match your own plans, and see the true monthly cost once the once-a-year bills are included.

A notebook, calculator and Thai banknotes

Start from a typical budget

Pick a starting point, then change any line to match your own plans.

Monthly costs (THB)

AccommodationRent, or building fees if you own

ElectricityHigher through the hot season

Water

Internet

Phone

Food and eating out

Health insuranceMonthly equivalent of your annual premium

Transport

Entertainment and hobbies

MiscellaneousHaircuts, laundry, household, the unexpected

Monthly subtotal฿67,350

Once-a-year costs (THB)

These are the ones people leave out, and they are the reason a budget that looked fine in January runs short in November.

Visa costsExtension, re-entry permit, agent fees, certificates

Flights home and travel

Other annual costsDentistry, optical, replacing equipment, deposits

Annual extras฿115,000

Your figures

Show inand

Monthly spending: ฿67,350; ≈ £1,515 · $1,919
True monthly cost, annual bills included: ฿76,933; ≈ £1,731 · $2,193
Total for the year: ฿923,200; ≈ £20,772 · $26,311

Stress test

If the exchange rate moved 12% against you, your true monthly cost would be about £1,967. If that number does not work, the budget is too tight.

Want this as a spreadsheet?

The full version adds a year-by-year planner, an annual expense sheet and currency columns you can edit.

Download Tim’s Budget Spreadsheet Get the free checklist first

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