Calculators
Transparent maths. Inputs, assumptions, results and limitations.
Emergency fund
How much cash to keep for the unexpected.
Inputs
Result
฿210,000 (6 × ฿35,000)
Assumptions
- • Essential spending stays roughly constant.
- • Fund is held in accessible cash, not investments.
Limitations
- • Ignores insurance payouts, severance or family support.
- • Job-loss risk varies by industry; 3–12 months can be reasonable.
Compound growth
What regular investing could grow into.
Inputs
Result
฿3,559,533
Contributed ฿2,020,000 · Growth ฿1,539,533
Assumptions
- • Return is constant and compounded monthly.
- • Contributions are made at the end of each month.
- • No taxes, fees or inflation adjustment.
Limitations
- • Real markets fluctuate; a steady return never happens in practice.
- • This is not a projection of any specific product's performance.
Loan payment
Monthly payment and total interest on a loan.
Inputs
Result
฿12,079 per month
Total interest ฿1,098,954
Assumptions
- • Fixed rate for the full term.
- • Equal monthly payments, interest compounded monthly.
Limitations
- • Excludes fees, insurance and early-repayment penalties.
- • Floating-rate loans will differ over time.
Debt payoff
How long until a balance reaches zero.
Inputs
Result
11 months
Interest paid ฿5,321
Assumptions
- • No new spending on the balance.
- • Payment stays the same every month.
Limitations
- • Late fees, penalty rates and promotional periods are ignored.
- • If the payment is below monthly interest, the balance never clears.
Retirement target
A rough nest-egg target from your desired income.
Inputs
Result
฿13,500,000
Supports ฿540,000 per year at 4%
Assumptions
- • Withdrawals stay at the chosen rate of the starting portfolio.
- • Excludes pensions, social security and rental income.
Limitations
- • Withdrawal-rate research is based mostly on US market history.
- • Inflation, taxes and sequence-of-returns risk are not modelled.
Savings rate
The share of income you keep.
Inputs
Result
47.1%
฿45,700 kept per month
Assumptions
- • Uses take-home income after tax and mandatory contributions.
Limitations
- • One month is a small sample; irregular income skews the result.
- • Debt principal repayment can be counted as saving or spending.
Investment involves risk, and past performance does not guarantee future results.
Tax information provided by Baht Buddy is general educational information and is not tax advice. Consult a qualified tax professional regarding your specific circumstances.