Check your monthly income and Thai bank savings against the retirement-extension money routes, then see how that same income stacks up against a real city's own published cost of living. Free, instant, no signup.
Set your expected monthly retirement income and Thai bank savings to check them against the published Non-Immigrant O-A / Non-O retirement extension thresholds, then compare your income against a city's own published cost-of-living range to see a rough monthly surplus or shortfall and savings runway. Every visa figure and city cost figure here is pulled straight from data already published elsewhere on BAANLYY — nothing is invented for this tool.
Meeting a retirement-extension money route (THB 800,000 seasoned in a Thai bank, THB 65,000/month in verifiable income, or a combination totalling THB 800,000 a year) is a separate question from whether that income comfortably covers real living costs in a specific city. On the numbers above, ฿65,000/month against Chiang Mai's own published couple range of THB 55,000–85,000 leaves a shortfall of ฿20,000/month, which ฿800,000 in savings would cover for about 3.3 years at the top of that city's own range. The O-X visa (up to 10 years, limited nationalities) has its own separate deposit rules not modelled here — see the full retirement visa guide linked below.
Estimates only, from published visa-threshold and city cost-of-living figures already on BAANLYY — not financial, tax, immigration or legal advice, and not a substitute for the Immigration Bureau, a licensed Thai immigration agent or a financial advisor. Retirement extension rules, seasoning periods and required documents change and are enforced case-by-case by individual Immigration offices; always confirm current requirements directly with Immigration before relying on this tool. City cost-of-living ranges are orientation only, not a quote for your specific lifestyle. USD figures use a live mid-market reference rate and will differ from your bank or transfer service. BAANLYY never takes paid placement.
Thailand's retirement extension (built on the Non-Immigrant O visa, commonly called O-A when applied for abroad) asks a narrow question: does your money meet one of three routes — a THB 800,000 Thai bank deposit seasoned for the required period, THB 65,000 a month in verifiable income, or a combination of the two totalling THB 800,000 over a year? That figure is an Immigration eligibility test, not a cost-of-living estimate. This tool checks both bars at once: the visa-money routes, and how that same income compares to a specific city's own published cost-of-living range.
A retiree can clear the THB 65,000/month Immigration threshold while still falling short of a comfortable budget in Bangkok or Phuket — and the same income can look generous in a lower-cost province. Rather than inventing new cost figures, this calculator pulls each city's own "comfortable / mid-expat or retiree" (or lean) range directly from that city's published cost-of-living page, so the comparison stays consistent with everything else on the site.
It doesn't model the O-X visa's separate 10-year, limited-nationality deposit rules, doesn't verify or submit anything to Thai Immigration, doesn't account for health-insurance costs mandatory on O-A/O-X, and isn't immigration, tax, financial or legal advice. Seasoning periods, acceptable proof of income, and case-by-case discretion vary by Immigration office and change over time — always confirm your specific situation with Immigration or a licensed Thai immigration agent before applying, and see our full retirement visa guide for the complete eligibility picture.
BAANLYY can connect you with a vetted immigration agent, accountant or relocation specialist to confirm your real numbers before you apply.
General information only — not immigration, financial, tax or legal advice, and not a substitute for the Immigration Bureau, a licensed Thai immigration agent or a financial advisor. Retirement-extension money routes, seasoning periods, required documents and discretion vary by Immigration office and change over time; always confirm current requirements directly with Immigration before relying on them. City cost-of-living ranges are orientation only, pulled from each city's own published page — not a quote for your specific lifestyle. USD figures use a live mid-market reference rate and will differ from your bank or transfer service. BAANLYY never takes paid placement in editorial content.
Primary and official sources are cited above. Government rules, fees and procedures in Thailand change over time and vary by office; always confirm current requirements with the relevant authority before relying on them. BAANLYY never takes paid placement in editorial content.