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
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฿40 to one Euro
฿24 to one Australian Dollar
฿0.64 THB to one Philippine Peso
Joey
Working in Nonthaburi
Monthly Earnings 25-40,000
Q1. How much do you earn from teaching per month?
25,000-40,000 baht per month private teaching Monday thru Friday 2-4 hours per day
Q2. How much of that can you realistically save per month?
5,000 baht
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
3,300 baht per month for an apartment rental. Room dimension: 15’x15’. Includes refrigerator, microwave, screen door to 3 ½ x 6’ balcony, and daily announcements, dogs barking, tuk-tuk traffic
Q4. What do you spend a month on the following things?
Transportation
(private teaching lots of traveling) 3,600 baht teaching and another 400 for social.
Utility bills
2,300 baht electricity/air-conditioning (Note: for one year I had no air condition. Four months ago by a doctor’s order I was told air conditioning was necessary).
Food - both restaurants and supermarket shopping
Average 5,000 baht per month. 1,000 baht per week at the supermarket: Only fish, nuts, fruits, vegetables, and water. Every fourth week of the month I spend 2,000 baht for cleaning supplies, lotions, soaps, detergents etc.
Nightlife and drinking
0 baht per month. Jogging, yoga, tai chi, swimming 70 baht per day
Books, computers
200 baht books, and 300 baht internet
Q5. How would you summarize your standard of living in one sentence?
Undeniably frugal!!!
Q6. What do you consider to be a real 'bargain' here?
In general, food! But, I live for fruits and vegetables, and lots of them; they are not so much ‘bargain’ items
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
The first six months to a year 35,000-40,000 baht per month minimum. When you begin to create a support network, then MAYBE you could “SURVIVE” on 25,000 baht per month - doubtful. You will not enjoy 25,000 baht per month! 30,000 baht per month is fun for the first 3 months, then reality will suck you dry of all your ambitions. 40-50,000 baht would be a conservative, but relatively OK living situation. Above 60,000 and you may actually be living socially, while taking part in activities which are not free.
Phil's analysis and comment
There's a huge difference in what you can achieve between a salary of 25,000 a month and a take-home of 40,000 a month but I like Joey's honest summary. It sounds as if 60K a month is his target. Given that he only teaches 2-4 hours a day there's certainly ample opportunity to get out there and earn more.
John
Working in Chiang Mai
Monthly Earnings 29,000
Q1. How much do you earn from teaching per month?
29,000 (most schools in Chiang Mai offer B25,000 as the norm!)
Q2. How much of that can you realistically save per month?
Zero
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
6,000
Q4. What do you spend a month on the following things?
Transportation
3,000
Utility bills
2,500
Food - both restaurants and supermarket shopping
12,000
Nightlife and drinking
4,000
Books, computers
500
Q5. How would you summarize your standard of living in one sentence?
I exist.
Q6. What do you consider to be a real 'bargain' here?
Crap food.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
For a single person who doesn't have a life B20,000. To have a life then B30,000. For a family with a good lifestyle at least B40,000.
Phil's analysis and comment
John sounds a little bit jaded and I don't blame him. I would hate to live in Chiang Mai on 29,000 baht a month. Numerous people have tried to convince me down the years that Chiang Mai is substantially cheaper to live in than Bangkok but I've never bought into it. And any teacher with the experience of looking for work in Chiang Mai will tell you how low the salaries seem to be (generally)
Chiang Mai would be a fantastic place to retire to for someone who's made their money but surviving up there as a common or garden TEFLer can't be easy.
Dave
Working in Chacheongsaw
Monthly Earnings 34,000
Q1. How much do you earn from teaching per month?
34,000
Q2. How much of that can you realistically save per month?
10,000
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
4,500 – a big old two-bedroom house with huge gardens, a circular driveway gates garage outside rooms, covered area basement (too scared to go down as the trapdoor is very small) – no BS its nice.
Q4. What do you spend a month on the following things?
Transportation
3,000
Utility bills
1,300
Food - both restaurants and supermarket shopping
3,000
Nightlife and drinking
3,000
Books, computers
120 on games
Q5. How would you summarize your standard of living in one sentence?
I know I have no future but for the time being life is not to bad.
Q6. What do you consider to be a real 'bargain' here?
Food
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
Honestly I don’t know – If you make 50k you spend 50k you make 30k you spend 30k. My mate who was out here on an expat salary was making 2500 quid a month with no rent or bills and he spent it all every month
Phil's analysis and comment
For those who don't know it, Chacheungsaw (where Dave lives) is about an hour's commute from Bangkok. I'm sure Dave will forgive me when I say that it's hardly the Las Vegas of Eastern Thailand. In fact I sometimes think its only claim to fame is that you can spell the name fifty different ways! A teacher's salary of 34,000 will go a long way in Chachoengsaw (there's another one)
It's worth pointing out that Dave runs a motorcycle (probably an essential) and sounds a bit like a health food freak. Most of his food spending seems to go on milk and muesli. Have I got that right Dave?
Patrick
Working in Bangkok
Monthly Earnings 65-70,000
Q1. How much do you earn from teaching per month?
Between 65,000 and 70,000 a month, at a good university
Q2. How much of that can you realistically save per month?
Up until recently, about 35,000 a month. I just bought a car, so my savings is down to 20-25k a month
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
Nothing, my wife (who is Thai) and I bought a small row house out in the suburbs which we stay in. (but see my transportation bills….)
Q4. What do you spend a month on the following things?
Transportation
22,000 (12,000 for a car, and 10,000 for taxis
Utility bills
4,000
Food - both restaurants and supermarket shopping
10,000
Nightlife and drinking
4,000
Books, computers
5,000
Q5. How would you summarize your standard of living in one sentence?
I love my job, I only have to go in four days a week (Tuesday to Friday), and teach about 15 hours a week. Outside the class work is high, but when and where I do it is flexible. The only thing I want is a nice, big house with a yard. I will buy it in about 3 years. When kids come along though……
Q6. What do you consider to be a real 'bargain' here?
Taxis (the “magic car” as I call it, since it is a car that drives, parks, fuels, navigates and maintains itself). Also food is great and cheap, and anything that involves labor (maids, laundry, gardeners, electricians).
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
I was quite happy back when I lived on 20,000, but I saved nothing. Now, I would have to say 35,000 – and that is only if you already have all the toys you need, and can stay away from sukhumvit.
Phil's analysis and comment
Patrick sent this to me by way of introduction
"I and my (Thai) wife are both university professors at a good Thai University (I teach economics and government). We live in a small row house up in Don Muang, about 30 km from work, while we save money for a larger house. Our combined income is about 1.5 million a year, and we save a bit more than half of it -- most months. Our biggest expense by far is taxis, we both use them a lot.
Phil says - You can have a very nice lifestyle with a combined income of 1.5 million a year and you can see from the figures that Patrick doesn't skimp on food and utilities, he runs a car and also fills his shopping trolley with gay abandon. I like the point that Patrick makes about labor. I'm always amazed how little it costs when you hire a Thai worker or 'handyman' to come and do a job for you. The most difficult part is finding one!
Timothy
Working in Chonburi
Monthly Earnings 45,000
Q1. How much do you earn from teaching per month?
About 45,000 baht. I teach and live just outside Amphur Muang, Chonburi.
Q2. How much of that can you realistically save per month?
Not much. I have two daughters, a house loan, and a car payment that take my savings. Occasionally I'll manage to put 3000 baht in my savings account.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
We just finished building a three bedroom two bathroom house. It's paid for with the exception of a small loan that runs us 3000 baht a month.
Q4. What do you spend a month on the following things?
Transportation
15,000 baht. Car payment and gasoline.
Utility bills
5000 baht. Two phones, electricity, and water.
Food - both restaurants and supermarket shopping
10,000
Nightlife and drinking
Do you mean going to the zoo and buying ice cream? 1000 baht.
Books, computers
1000 baht (unless I go to Kinokuniya Bookshop in Bangkok then it might be a LOT)
Q5. How would you summarize your standard of living in one sentence?
We are middle class but we're not putting anything away for the future at this point.
Q6. What do you consider to be a real 'bargain' here?
Food and taxes. If I didn't buy western food our bill would be a lot lower.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
A single teacher could get by on 20 grand here. I suppose I could get by on 30 with a family, but it would be tough.
Phil's analysis and comment
My father always had a saying - "running a car will keep you poor" and while that's not always the case of course, a whopping third of Tim's salary goes into keeping his four wheels on the road. On the other hand, he'll soon be in the position of not having to pay rent of any description. It's always nice when your accommodation overheads don't include a rent bill every month, despite the fact that property here doesn't have a great re-sale value unless your front door opens on to the beach or you're five minutes walk from an international school.
Showing 5 Cost of Living surveys out of 426 total
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