thai-personal-finance-planner

Thai Personal Finance Planner

A Claude skill that turns Claude into your personal financial planner — built specifically for Thailand. Tax-aware (ภงด. 90/91), SSF/RMF/Thai ESG-aware, social-security-aware, and rooted in actual Thai numbers.

🇹🇭 อ่านภาษาไทย → README-TH.md

---

TL;DR — paste this into Claude Code

Open Claude Code in any folder and paste the whole block:

git clone https://github.com/satasuk03/thai-personal-finance-planner.git
cd thai-personal-finance-planner
Read financial-planner/SKILL.md and start interviewing me to build my Thai financial plan. Begin from round 1.

That's it. Claude clones the skill, reads it, and runs the 7-round interview. Your plan files (1-my-profile.md, 2-my-budget.md, …, 5-my-dashboard.html) get saved in that folder — re-open Claude Code in the same folder anytime to resume.

Don't have Claude Code? npm install -g @anthropic-ai/claude-code. Or use the Cowork-mode install below to upload the .skill file directly into the desktop app.

---

Why this exists

Most personal-finance AI advice is built around US 401(k)s, Canadian RRSPs, or generic "save 20% of income" rules that ignore how Thailand actually works.

A Thai mid-career professional has a completely different decision tree:

• Should I buy SSF, RMF, Thai ESG, or Thai ESGX this year — and how much?
• Is ประกันสังคม ม.33 enough, or should I top up with private insurance?
• I'm switching from ลูกจ้าง (ม.33) to freelance — do I move to ม.39 or ม.40?
• I have ¥800k in หนี้บัตรเครดิต at 16% — pay it down or keep buying RMF?
• กบข. vs PVD vs ออมเอง — which is actually better for me?
• ค่าครองชีพกรุงเทพ vs ต่างจังหวัด — how much do I really need to retire?

This skill answers those questions with real Thai numbers — current tax brackets (2568), current contribution limits, real fund categories from บลจ. กสิกร / กรุงศรี / SCBAM / บัวหลวง, real คชจ. data from ธปท. and สสว. — not US benchmarks dressed up in baht.

---

What you get

After a 30–60 minute conversation, you walk away with files saved on your own computer:

File	What's in it
1-my-profile.md	Complete financial snapshot — income, expenses, debts, assets, goals
2-my-budget.md	Monthly budget with the 50/30/20 rule adapted for Thai cost-of-living
3-my-tax-plan.md	Year's tax-deduction plan: SSF gone, RMF + Thai ESG + Thai ESGX layered to your bracket
4-my-action-plan.md	Phased plan: Stabilize → Build → Accelerate, with Thai timelines
5-my-dashboard.html	Interactive dashboard — net worth, debt payoff, retirement projections, tax savings
shareable/	PDF + Excel versions you can email, print, or hand to a CFP/CFA
README.txt	Quick guide for what each file is and how to use it

The dashboard renders cleanly in any browser, prints to PDF, and looks like something you actually paid for.

---

Thailand-specific features

This is what separates it from generic ChatGPT prompts.

Tax planning that knows the Thai code

• 2568 progressive tax brackets baked in (0% / 5% / 10% / 15% / 20% / 25% / 30% / 35%)
• All 25+ ค่าลดหย่อน categories — ส่วนตัว, คู่สมรส, บุตร (รวมบุตรเกิด ≥ 2561 เพิ่มเป็น 60,000), บิดามารดา, ประกันชีวิต/สุขภาพ, ดอกเบี้ยบ้าน, บริจาค, Easy E-Receipt
• SSF / RMF / Thai ESG / Thai ESGX layering math — the limits interact (RMF + กบข. + PVD ≤ 500,000; Thai ESGX 30% ≤ 300,000) and the skill works through the priority order based on your bracket
• Marginal-rate-aware advice — buying RMF saves 35% if you're in the top bracket, only 5% if you're at the bottom; the skill won't recommend tax-deferred products that don't pay back

Retirement system literacy

• ประกันสังคม ม.33 / ม.39 / ม.40 — knows the contribution caps (ฐานสูงสุด 15,000), the 7 benefit categories, and what changes when you move between sections
• กบข. (state employees) vs PVD (private sector) — picks the right account type and matches projection math
• CPF-style roll-forward for RMF that respects the 5-year hold and age-55 rule

Debt that's actually Thai

• Credit-card debt prioritization at Thai bank rates (16% standard, 25% on cash advance)
• หนี้นอกระบบ (informal loans) treated as the emergency it is — different playbook from formal debt
• คลินิกแก้หนี้ referral when the math says you need help, not just hustle

Cost-of-living that's calibrated