Every new arrival wants to know if they can survive or live well in Thailand on X thousand baht a month?
It's a difficult question because each person has different needs. However, the following surveys and figures are from teachers actually working here! How much do they earn and what do they spend their money on?. And after each case study, I've added comments of my own.
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Approximate Thai Baht (฿) conversion rates as of 26th April 2024
฿37 to one US Dollar฿46 to one Pound Sterling
฿40 to one Euro
฿24 to one Australian Dollar
฿0.64 THB to one Philippine Peso
Henry
Working in Bangkok
Monthly Earnings 37,000
Q1. How much do you earn from teaching per month?
I get a 35K salary from my high school in Bangkok and now and again I add a couple of thousand baht to that from doing evening classes.
Q2. How much of that can you realistically save per month?
About 15,000 a month.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay 8,000 baht a month for an apartment including bills
Q4. What do you spend a month on the following things?
Transportation
Not stated
Utility bills
Not stated
Food - both restaurants and supermarket shopping
I like to eat well and have a small kitchen so often cook for myself. I like to shop at the sometimes more pricey Tops and Villa supermarkets so i spend quite a lot on food (but figure not stated)
Nightlife and drinking
Not stated
Books, computers
Not stated
Q5. How would you summarize your standard of living in one sentence?
Quite comfortable but i always feel conscious when I use my air-conditioning of how much electricity I am using. I use public transport whenever possible and try to avoid taxis but sometimes it's too late in the night or just too hot outside to take a bus. But overall I would say I have a comfortable life but occasionally feel the pinch of a low salary
Q6. What do you consider to be a real 'bargain' here?
Local buses
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
I would say 40,000 baht a month in Central Bangkok.
Phil's analysis and comment
Henry didn't really go into much detail here, but if you do the maths, he earns 37K in a good month, saves 15,000 baht of that and lives in an 8,000 baht apartment. That means he's surviving in Bangkok on a grand total of 14,000 (and that's without knowing the figure for food spending) It's less than 500 baht a day! That can't be much fun.
Michelle
Working in Chiang Mai
Monthly Earnings 30,000
Q1. How much do you earn from teaching per month?
I'm a volunteer at a primary school / kindergarten so I don't necessarily have a salary. However I have several friends and people from my church who help support me. On average, I probably receive about 30,000 baht a month but this varies. Some months I will receive hardly anything and other months it's a lot.
Q2. How much of that can you realistically save per month?
On average, I spend about 17,000 baht a month, so that would mean I save about 13,000 baht each month.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I live with two friends in a small house and we pay 4,000 baht a month for rent (split three ways)
Q4. What do you spend a month on the following things?
Transportation
I have my own motorcycle and I spend about 55 baht a week on gas.
Utility bills
Our bills are split three ways and work out at 210 baht each for wifi and approximately 300 baht each for water and electricity.
Food - both restaurants and supermarket shopping
it's hard to say. Looking at my records, it could be anywhere from 1,000 to 4,000 baht, depending on how often I splurge at Remping or get a sandwich at Subway or go out with friends. During the week, we get a free lunch at work, so breakfast and dinner are the only meals where we're on our own. Mostly we will eat street food or cook our own food at home. Going out to eat with friends is the killer, since usually it'll be a higher class restaurant
Nightlife and drinking
I don't do nightlife as a rule but I do enjoy my coffee, however, I try to hit the lower priced coffee shops. I also splurge on horseback riding about twice a month, which costs 500 baht an hour.
Books, computers
I recently had some computer expenses that came up to about 4,000 baht.
Q5. How would you summarize your standard of living in one sentence?
I like to live as closely to the people around me as possible, and since most of my friends and coworkers are of lower income, I try not to flaunt the fact that I have more money than them. Yet I live very comfortably.
Q6. What do you consider to be a real 'bargain' here?
Food. It's so cheap!
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
If you live carefully and do it right, you could live on 16,000 baht a month after your start-up costs (motorbike, household furnishings, etc.) However, foreigners also have lots of visa expenses, travel home costs, etc.
Phil's analysis and comment
I'm not really up on how the volunteering thing works so I might pass on commenting here. I've always been under the impression that if you do volunteer work, you got a bit of pocket money, a roof over your head and perhaps 'three hots and a cot' but that clearly isn't the case where Michelle is concerned. But she seems happy enough living the simple life in Chiang Mai.
Dan
Working in Bangkok
Monthly Earnings 85,000
Q1. How much do you earn from teaching per month?
I earn 85,000 baht a month at an international school (this also includes a rent allowance)
Q2. How much of that can you realistically save per month?
In theory I could save about 20,000-30,000 baht a month but I never do. There always seems to be something I make a big expenditure on such as going on holiday, flights to the UK, new phone etc. Realistically I save 5,000 - 10,000 - and frequently nothing!
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I share a condo with my girlfriend, of which I pay 20,000 baht in the city centre. I know I could go cheaper but I am very comfortable and feel it is worth the money.
Q4. What do you spend a month on the following things?
Transportation
Including travel to work and various journeys at the weekend it's around 4,000 baht.
Utility bills
Around 3,000 a month for my share of electricity, high speed internet, TV package, land line and mobile phone package.
Food - both restaurants and supermarket shopping
This expense fluctuates a lot depending on other expenditures. If I have cash to spare, I will eat well at restaurants and order food in. Anything between 10,000 - 20,000 baht a month. This is an area I could certainly cut back on - but I love eating well!
Nightlife and drinking
It ties in with food as eating out is a big part of a night out for me. I don't drink all that much anymore and have just one or two big nights (getting drunk) a month. Maybe 2,000 - 3,000 on drinking not including food covered above.
Books, computers
It's hard to put a regular amount on this. Occasional necessities such as printer ink and the odd book. I frequently go to the cinema and will occasionly buy new clothes. Anything from 1,000 - 5,000 baht a month I suppose.
Q5. How would you summarize your standard of living in one sentence?
I feel quite lucky to have my standard of living. There is no chance I could live like this as a teacher in the UK! I have not had to really worry about my spending here, which makes life very comfortable.
Q6. What do you consider to be a real 'bargain' here?
I think transport is ludicrously cheap, be it a taxi to work or a train down to the south of Thailand. In comparison to home it is extremely cheap in that regard.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
I think in Bangkok you could survive on 30,000 baht. I've done it before - just about. I wouldn't want to do it for long though!
Phil's analysis and comment
I think one important piece of info missing from the survey above is whether or not Dan's girlfriend works and brings in a monthly salary. A working partner will always make life easier.
I can only go by the figures - and while 85K a month is a very good wage, it doesn't sound like Dan saves much money at all. His accommodation might appear expensive at first glance but it's still only 25% of his income. The other 75% goes on enjoying life!
Keep these cost of living surveys coming guys. You're doing a great job! Apart from the jobs page, this is the most popular section of the ajarn website. People love reading this information. And don't worry if you've sent me a survey and it's not on-line yet. I have it safe. I just like to space them out a bit.
If anyone fancies doing a cost of living survey, I've now put the questions on-line to make it easier and quicker for you. Please spare half an hour if you can.
Jack
Working in Upcountry
Monthly Earnings 140,000 baht
Q1. How much do you earn from teaching per month?
I earn around 60,000 a month from my job here at a Thai university and I do a lot of online teaching (Including dissertation advising) which brings in another 80,000 baht or so on average - so around 140,000 per month
Q2. How much of that can you realistically save per month?
Not as much as you would think
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
We live in a fairly large house and the rent is around 15,000 baht per month.
Q4. What do you spend a month on the following things?
Transportation
See comment section below
Utility bills
See comment section below
Food - both restaurants and supermarket shopping
See comment section below
Nightlife and drinking
See comment section below
Books, computers
See comment section below
Q5. How would you summarize your standard of living in one sentence?
Life is pretty good. We live fairly simply and have enough saved to avoid intense money worries, but having expenses outside of Thailand while living in Thailand eats away income pretty quickly.
Q6. What do you consider to be a real 'bargain' here?
Housing. We live in a fairly large house with a large yard and pay about the same as my daughter is paying for a student sized place back home.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
Survive? When I first came to Thailand I was supporting a wife and two small children while only getting 220 Baht an hour in Bangkok. If one is Thai or lives like an entry level Thai worker one can live on between 10-15,000 baht a month, but quality of life at that wage is not going to be very high
Phil's analysis and comment
Jack chose not to answer the expenses questions in the usual way but had the following to say in terms of a summary.
"I will use slightly different categories than the ones posted. My wife has a budget of 35,000 baht to take care of all household (including food) and her personal expenses. For gas and car usage, eating out four times a month, lunch and other personal expenses for myself I spend around 15,000 baht. So you could say we live on around 50,000 baht a month here in Thailand.
However, I also have a daughter in university in the West and I send her around 35,000 baht a month (although she graduates in a little more than a year and that money will get cut off), and also I was supporting my son until recently while he was going to university and I also have to pay a long-term student loan of my own of around 20,000 a month.
So my income covers everything and we have some savings from my working outside of Thailand for a few years. If I can keep up the income stream from a few more years our expenses will decrease significantly and we can save up a bit more for retirement"
There's something quite incredible about Jack's survey. Here's a guy working out there in upcountry Thailand. Not Bangkok! - but out in the sticks. And he's earning enough money to put a daughter in The West through university and did the same for his son as well. Unbelievable!
I keep hearing stories of teachers making great money from online teaching. Surely this has to be the future.
Jack also had the following to say on the topic of how much does one need to earn to survive in Thailand.
"The answer really depends. If you are single and wanting to spend a year or two on an overseas adventure, one can get by on a pretty basic (30,000) salary but if one goes through a normal life cycle of marriage, kids, the demands on your earnings go up. What you "need" is not really an important question, the question you should ask is what can you get and decide if the total package of money and lifestyle is better than one's other options.
Alex
Working in Nonthaburi
Monthly Earnings 85-110,000 baht a month
Q1. How much do you earn from teaching per month?
I earn 85,000 to 110,000 baht a month purely from teaching private students at my house. (see Phil's comment section below for more info)
Q2. How much of that can you realistically save per month?
I try to save 20K a month, which I put into a savings account for my daughters. However there can often be unexpected expenses, for example this month, both daughters were ill and had to stay in hospital. That cost me 20,000 baht right there.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay nothing as the house is owned by my wife. It's a 3-bedroom detached house in a very secure moobaan (housing estate) with a nice swimming pool - but rubbish gym.
Q4. What do you spend a month on the following things?
Transportation
I spend 9,000 baht a month on car repayments and 2,000 baht on petrol. Before I bought my own wheels, I was spending 6,000 baht a month on taxis so it is not that much more.
Utility bills
4,000 baht on electricity as I have the air-conditioning on at night and when students are here. 700 baht internet, 300 baht water. I was spending 1,000 baht a month on CTH (satellite TV) but I canceled that because they lost the football coverage.
Food - both restaurants and supermarket shopping
I give my wife 12,000 a month for food and sundries for the family but I often have a monthly Villa Supermarket splurge where I spend about 3,000 baht and frankly don't see a lot for it. But any expat who walks around Villa will know all about the temptations. We go to a mid-range restaurant about twice a month so 3,000 baht for that.
Nightlife and drinking
I don't really go out in the evenings, but every couple of weeks I have friends round for a BBQ and so I spend a couple of thousand baht a month on that.
Books, computers
I sometimes buy UK children's books so about 300 baht a month.
Q5. How would you summarize your standard of living in one sentence?
I have a great work life balance. I get to spend a lot of time with my family and live in a nice house in a safe moobaan. It's a standard of living I would be unlikely to ever achieve in the UK. There are two more expenses I'd like to mention. We go away about three times a year which costs about 15,000 baht each time. And my eldest daughter has just started school at 60,000 baht per term (10,000 baht per month)
Q6. What do you consider to be a real 'bargain' here?
Most of the obvious has been mentioned in previous surveys, so I will go with cuff-links, I have a really large collection of them.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
This question I find very difficult to answer as it obviously depends on circumstances. For a family I think less than 70K a month would be a struggle. A single person would get by on about 40K in Bangkok, 30K outside Bangkok. Someone who likes the nightlife too much would need 150K at least.
Phil's analysis and comment
Alex also had this to say about his private student empire.
"The amount I make from private students varies due to cancellations but not massively as I have a two-lesson cancellation policy per ten lessons and the ten lessons must be paid for in advance. I live in a middle class area with no other foreigners so I charge 1000 baht per hour. I teach in the evening and weekends and my weekdays are totally free to spend time with the family. I also have a couple of friends come to mine at weekends as I am very busy at this time, and they teach a few lessons. As they are friends I only take a small percentage from them"
I have a guide on the website about teaching freelance and if you can hit it right - as Alex has done - it can be a very good living.. It's all about location, location and location. And as Alex says - surround yourself with potentially premium, high-paying customers and word of mouth will soon take you all the way.
And good to see that he has a strict cancellation policy in place. This a business! It's YOUR business! Thai students can be the cancellation champions of the world and cancellations will kill your business if you don't set down the rules right from the start. When I used to teach private students at home, I had exactly the same cancellation policy.
I was trying to work out how Alex's teaching hours would be broken up. By my reckoning he would need to teach at least 20 hours a week at home to make that 80K income. I'm guessing that in the evening he starts at about 4pm after schools close. So he might squeeze three to four hours in each evening. Even three hours would amount to 15 a week from Monday to Friday. And he can probably do in the region of eight hours at the weekend. It's certainly doable if you've got yourself well-organized.
Showing 5 Cost of Living surveys out of 426 total
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