Thailand RMF / SSF Tax Deduction Calculator
Optimize your RMF and SSF investments for maximum tax savings
Last updated: May 2025 | Tax Year 2025 (B.E. 2568)
π Income & Investment Details
Total income before tax (salary Γ 12 + bonus)
Max 30% of income, not exceeding 500,000 THB (combined with other retirement funds)
Max 30% of income, not exceeding 200,000 THB
Other Deductions (for accuracy)
Enter your details and click Calculate
to see your tax savings.
What are RMF and SSF?
RMF (Retirement Mutual Fund) is a long-term savings fund designed for retirement. Units must be held until age 55 and for at least 5 years. Annual purchases are required (or at least every other year).
SSF (Super Savings Fund) is a medium-term savings fund. Units must be held for at least 10 years from the purchase date. No requirement to purchase every year.
Deduction Limits (2025)
| Fund | Maximum Deduction | Notes |
|---|---|---|
| RMF | 30% of income / max 500,000 THB | Combined with other pension funds |
| SSF | 30% of income / max 200,000 THB | Shares the 30% cap with RMF |
| RMF + SSF + PVD + GPF + Pension Insurance | Max 500,000 THB combined | β |
RMF vs SSF: Which Should You Choose?
- RMF is best for: Long-term retirement savers who are comfortable locking funds until age 55
- SSF is best for: Those who want more flexibility β only 10 years lock-up, no annual purchase requirement
- For maximum tax benefit, plan RMF + SSF combined to stay within the 500,000 THB joint cap