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Thailand Tax Deductions 2026: Complete Guide to Every Item — Save Tens of Thousands

Last updated: May 2026  |  ~7 min read

What Tax Deductions Are Available in 2026?

The Thai Revenue Department allows personal income taxpayers to deduct various expenses from their income before calculating tax. These deductions can save you thousands to hundreds of thousands of baht per year.

Category 1: Personal & Family Deductions

  • Personal allowance: 60,000 THB (everyone qualifies)
  • Spouse with no income: 60,000 THB
  • Children: 30,000 THB each (children born from 2018 onwards, 2nd child and beyond: 60,000 THB)
  • Parental support: 30,000 THB per parent (must be 60+ years old, income under 30,000 THB/year)
  • Disability/incapacity care: 60,000 THB per person

Category 2: Insurance & Savings

  • Life insurance premiums: Up to 100,000 THB (policy must be 10+ years)
  • Health insurance premiums: Up to 25,000 THB (combined with life insurance, max 100,000 THB)
  • Parents' health insurance: Up to 15,000 THB
  • Social Security contributions: Actual amount paid (approx. 9,000 THB in 2026)

Category 3: Investment Deductions

  • RMF (Retirement Mutual Fund): 30% of income, max 500,000 THB (combined with SSF, GPF, Provident Fund)
  • SSF (Super Savings Fund): 30% of income, max 200,000 THB (included in the 500,000 THB cap)
  • Provident Fund: Actual contributions, max 10,000–15% of income

Category 4: Interest & Real Estate

  • Home loan interest: Actual amount paid, max 100,000 THB

Category 5: Special Measures (Verify with Revenue Department)

  • Easy E-Receipt: Electronic tax invoices from participating retailers (check rd.go.th for latest updates)
  • Donations: Education, sports, and social development donations — 2x deduction, max 10% of net income

Example Calculation

Assume a monthly salary of 50,000 THB (annual income: 600,000 THB) and using all available deductions:

  • Personal allowance: 60,000 THB
  • Life + health insurance: 100,000 THB
  • RMF: 90,000 THB (30% of 300,000 after expenses)
  • Home loan interest: 50,000 THB
  • Parental support: 60,000 THB

Total deductions can reduce your tax bill by tens of thousands of baht, depending on your tax bracket.

Source: Thai Revenue Department (rd.go.th) — Referenced from latest announcements. Always verify with the Revenue Department before filing.

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