CheckDi › Tax saving › After-tax return calculator

What does your saving really earn, after tax?

Savings bonds, tax-free deposits and every savings insurance plan on one number: the yearly return (IRR) after tax, including the deduction at your own tax bracket.

Tax year 2569 (2026) Guaranteed part only Updated 10 Nov 2026
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Your details

Premiums depend on age and sex
Salary + bonus, to find your top tax bracket
Combined cap 100,000 baht a year
Your top tax bracket
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Insurance deduction left
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Tax saved this year (max)
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Ranked by after-tax return

* Estimates for comparison only, not investment advice · Insurance uses only the guaranteed part of the insurer's benefit table (premium at the age and sex chosen), no dividends · Life premiums are deductible only on contracts of 10+ years · The tax refund counts in the following year · Bond interest has 15% withheld · Tax-free deposits require monthly deposits up to 25,000 baht under the bank's terms · Money at the end = the same yearly amount for the premium years, held to maturity · Insurance must be held to the end; surrendering early can return less than paid, and depends on the insurer · Bonds and deposits are for reference; CheckDi does not sell them

Why can some savings insurance beat a bond?

  • Life premiums cut your tax by up to 100,000 baht of income (10+ year contracts) — the refund is extra return
  • Insurance cash back and maturity are tax-free; bond interest has 15% withheld
  • In exchange, the money is locked until the end and the risk is the insurer's, not the Ministry of Finance's