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How much money do you need to live as a retiree in Thailand?

By Submitted Message
Posted in Reader question
Tags: ,
December 15 2023

Dear readers,

I am still 7 months away from retirement and I am thinking of moving to Thailand. Thinking of Pattaya or Jomtien. To rent a condo I count on 15.000 baht per month, including electricity and water. Health costs will still be insured for the coming years through a collective with my old employer. I want to buy a motorbike for transportation.

How much more money do I need to live? I eat on the street and go out a maximum of twice a week.

Who can give me an indication?

Regards,

Jan-Peter

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Number of times read: 19.665

15 responses to “How much money do you need to live as a retiree in Thailand?”

  1. Arno says up
    15 December 2023 at 16: 19

    Jan-Peter.

    This is a difficult question to answer.
    It all depends on what your lifestyle is like.
    Do you eat at the cheapest stalls or in the Mall where it is considerably more expensive.
    Power use, depending on whether you have air conditioning and how many fans.
    We manage for electricity, groceries, internet, telephone and petrol for ฿15000 ex rent and then we really don't have to break the bank.
    Furthermore, it is a picture that you fill in yourself and practice will teach you

    Good luck, Gr. Arno

  2. Eric Kuypers says up
    15 December 2023 at 16: 41

    Eating on the street is unhealthy; where do you get fruit and vegetables from? Moreover, eating a simple dish with a glass of water three times a day will disappoint you. You can cook in your apartment and perhaps you can buy fresh meals for the microwave. But that's not the most expensive thing.

    You can get that moped for 2.000 euros, think about your motorcycle license or get a Thai one. Healthcare is insured and you know the premium for the time it takes, but after that?

    It's the extras that matter. Come to Thailand for a holiday and try out how much money you need. Drinking water alone isn't nice either, and being alone... well, if you want company then you have to count that. So come and try it out. Thailand is only as expensive as you want to make it yourself.

    Search this blog. Your question has already been asked before and that information can easily be found using the search function at the top left.

    • Ger Korat says up
      16 December 2023 at 07: 02

      Just bought a new motorbike last month, new model Honda Lead for 61.000 baht (= Euro 1600) and then you have a modern new type of motorbike. I also took out an insurance policy called 2plus, which covers me for damage to others, theft and more, plus additional medical coverage (200.000 baht) plus personal accident insurance; all this for 3600 baht per year (100 Euro).

  3. william-korat says up
    16 December 2023 at 00: 55

    The big question is not what can I live on, one person lives on a few hundred baht a day as a bachelor, the other needs a few thousand baht a day, both are possible.

    The demands of Immigration expressed in money may be too much for many.
    Just like health insurance that you apparently have.

    On numbeo you can find the costs for many things.
    In Pattaya or Jomtien that average will be correct.
    In the past, ten people could not pass by here in Korat on their moped or bicycle.

    https://ap.lc/NgOLD

  4. Piet says up
    16 December 2023 at 00: 59

    Given that this differs per person. Think outside the fixed costs such as rent and electricity. Can live well with 1000 baht per day as a single person, there will be days that you spend less and days that you spend a bit more than that 1000 baht. So say 30.000 baht Enjoy it as long as you can, take it with you for later I think that is not possible

  5. John Chiang Rai says up
    16 December 2023 at 04: 41

    A question for which there is actually no fixed standard, because what one person calls his life, another calls it at most a survival.
    You are still insured for the first few years, but then, many health insurance companies are not so keen on insuring older retirees.
    Most, if they insure at all, already start with all exclusions of pre-diseases, so that a current illness that has already been reimbursed will already be a pre-disease tomorrow.
    I am personally very skeptical about stories that there are insurance companies that insure you for a few Baht a month.
    There you will also have to deal with exclusions, and it can even go so far that they suddenly no longer want to insure you.
    But for the time being you are still insured, so I would recommend that you first try living for a year and see for yourself whether you like it at all.
    Don't do anything rash, don't burn ships behind you, and always leave a door open for possible return.
    It is in no way comparable to a vacation, and what seemed so fantastic at first can suddenly become completely different in the long run.
    I also wouldn't be influenced by people who say they are so happy here, because although this may well be true, happiness is a very personal experience.
    During that trial year that I have already described above, you could also see what your living costs are for your personal happiness.
    What will you possibly miss in the long run, and who will be your loved ones if you may no longer be able to physically care for yourself?
    These are all questions that are very important to me, although people don't want to think about them every day.

  6. Stefan says up
    16 December 2023 at 08: 29

    Almost all tips have been given above.
    Maybe… make fun of it.
    Keep an amount in your cash account that you will not go below. This amount must be sufficient to be able to return and make a fresh start here.

    • Eric Donkaew says up
      17 December 2023 at 06: 14

      You are forced to already have that amount of money in the bank: 800.000 baht for unmarried people, 400.000 baht for married people. Enough to go back and make a fresh start in the Netherlands.
      So that problem is solved automatically.

  7. TVG says up
    16 December 2023 at 09: 25

    How nice that many take the trouble to react here so balanced and without judging. Thailandblog is indispensable for me...certainly based on the posts of the local experts. One day I hope to live in Thailand. But well informed thanks to this forum.

    • Carlo says up
      16 December 2023 at 22: 58

      In any case, life will be a lot cheaper there than in Europe. With your budget you will be able to do a lot more than in the chilly Netherlands or Belgium.
      Then the answer is certainly positive, you can live cheaply there.
      But your question was what it will cost, not whether you will be happy there.
      And then you first have to take a holiday there so that you know whether the country is suitable for your wishes.
      Climate, food, fellow human beings, safety... everything is different than here in Europe.

  8. Lung addie says up
    17 December 2023 at 03: 18

    Dear Booya,
    If you are not better informed about the financial rules for immigration, then it is better to remain silent about it because you are now providing completely incomplete and incorrect information.
    Yes, let Ronny do his best to mention it again and again...

    – first of all, the amount does NOT have to be in a SAVING account. It can also be in a FIXED account. You may not even know that a fixed account exists.
    – that 400.000THB annual sum may also be proven with an income statement from the embassy (supporting letter or affidavit)
    – that 800.000 THB may also be a statement from the embassy
    – that 800.000 may be a combination of proven income and bank amount.
    – monthly deposits, from abroad, of 40.000 or 65.000THB are usually also accepted.
    So, preferably complete and correct information.

  9. SiamTon says up
    17 December 2023 at 09: 14

    In Jomthien.
    Rent THB 15.000; Electricity, internet and water THB 3.000; food/drink (excl. alcohol) THB 12.000. The rest is personal.

    • Rene Wuite says up
      18 December 2023 at 07: 52

      Lung Addie, you have dotted the i's well. Of course everyone has their own lifestyle, so it is difficult to predict what the costs will be for an individual person. PENSION/AOW + possibly an amount in the bank that matches 800000 bath, with a letter of recommendation from the Dutch Embassy in Bangkok.
      for the rest, go on holiday there first and find the place that suits you. Not everything in Thailand is perfect. Good luck.

  10. singtoo says up
    17 December 2023 at 16: 47

    Jan-Peter,
    With the lifestyle you wrote, assuming that going out twice a week is also in line with your other wishes, you will be able to make ends meet for an amount of €2 / ฿1.000 p/m.
    This does not include, if any, the immigration deposit amount of ฿800,000 for your annual reversal of right of residence.

  11. Dennis says up
    17 December 2023 at 21: 20

    As a retiree, you don't have to worry about money. You can get by very well in Pattaya on just a net state pension (€1450 per month).


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