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:

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

• Income benchmarks segmented by region — กรุงเทพ ~28,600 ฿/mo average vs upcountry
• Rent / food / transport benchmarks for กทม., เชียงใหม่, ภูเก็ต, ขอนแก่น, หาดใหญ่
• Emergency-fund sizing that accounts for ~181% household debt-to-income reality, not Western 3–6 month rules of thumb

Life events that exist in Thailand

• งานบวช, สินสอด, ค่าใช้จ่ายทำบุญใหญ่ — actually budgeted, not glossed over
• ดูแลพ่อแม่ที่ไม่มีบำนาญ — the Thai sandwich-generation playbook
• ย้ายบ้าน เกิดน้ำท่วม (flooding insurance + emergency fund considerations)
• เกษียณกลับต่างจังหวัด — the math on whether downshifting actually works

Quick install

The fastest path. Works on Mac and Windows.

1. Download financial-planner.skill (packaged release coming soon — for now use the Claude Code path below)
2. Open the Claude desktop app (download)
3. Enter Cowork mode (bottom-left of the Claude window)
4. Customize → Skills → Upload → pick the .skill file
5. Start a chat and say: "ช่วยวางแผนการเงินให้หน่อย" or "Help me plan my Thai finances"

That's it. The skill takes over from there.

Requires a paid Claude plan (Pro $20/mo, Max, Teams, or Enterprise). Pricing →

Install via Claude Code (CLI)

# Install Claude Code
npm install -g @anthropic-ai/claude-code

# Install this skill
mkdir -p ~/.claude/skills
git clone https://github.com/YOUR-HANDLE/thai-personal-finance-planner.git
cp -r thai-personal-finance-planner/financial-planner ~/.claude/skills/

# Make a folder for your plan and launch
mkdir -p ~/Documents/MyThaiFinances && cd ~/Documents/MyThaiFinances
claude

Then in the Claude session: "Help me with my finances" or "ช่วยวางแผนการเงินให้หน่อย".

How it works

The interview — 7 rounds, your pace

Claude asks 2–3 questions at a time. Never overwhelming. You can stop and resume anytime — your progress is saved to disk.

Then Claude writes your plan

Six things, all at once:

1. Tax plan for the year — exact baht amounts to put into RMF / Thai ESG / Thai ESGX / ประกันชีวิต / บริจาค to hit your ลดหย่อน ceiling, ranked by marginal-rate payback
2. Phased action plan — Stabilize (emergency fund + high-rate debt) → Build (insurance + retirement contributions) → Accelerate (investing + bigger goals)
3. Retirement projection — three scenarios (conservative / base / optimistic) using realistic Thai mutual-fund returns, not 7%-forever fantasy
4. Debt payoff plan — Avalanche vs Snowball comparison with month-by-month timeline at Thai rates
5. Insurance gap analysis — life, health, disability — what you actually need vs what agents will try to sell you
6. Interactive HTML dashboard — open in any browser; print-friendly

Then you come back

Whenever you want — say things like:

• "มาเช็คประจำเดือนกันที" — actual vs planned spending
• "จะซื้อ iPhone ใหม่ 50,000 ดีมั้ย?" — purchase decision against your real budget
• "เดือนนี้ได้โบนัส แบ่งยังไงดี" — windfall allocation
• "กำลังจะมีลูก ปรับแผนยังไง" — life change recalculation
• "พ่อแม่ไม่มีเงินบำนาญ จัดสรรยังไง" — sandwich generation planning

Repository structure

thai-personal-finance-planner/
├── README.md                          # ← you are here
├── README-TH.md                       # ภาษาไทย
├── AGENTS.md                          # Guide for any AI coding agent contributing to the repo
├── CLAUDE.md                          # Guide for Claude Code specifically
├── LICENSE                            # MIT
├── .claude-plugin/
│   └── plugin.json                    # Cowork plugin manifest
├── financial-planner/                 # ← the actual skill
│   ├── SKILL.md                       # Always-loaded core
│   └── references/                    # Loaded on demand
│       ├── interview-guide.md
│       ├── thai-finance-rules.md      # The moat: tax, SSF/RMF, ม.33/39/40, กบข., PVD
│       ├── investments-thai.md        # SET, mutual funds, gold, สลากออมสิน, etc.
│       ├── retirement-thai.md         # Projections + Thai retirement system
│       ├── debt-strategy.md
│       ├── life-events.md
│       └── calculations-and-dashboard.md
└── demo-sample-plan/                  # Example output for a fictional user

The SKILL.md file is always in Claude's context. Reference files load on demand — keeps the conversation fast and focused.

Privacy

• All plan files live on your computer. Nothing is uploaded to a third-party server.
• Claude processes your messages through Anthropic's API (encrypted in transit and at rest).
• To opt out of training: Claude Settings → Privacy → turn off "Help improve Claude".
• The skill never asks for บัตรประชาชน, รหัสผ่าน, OTP, เลขบัญชี, or เลขบัตรเครดิต. If something prompts you for any of those, it's not this skill — close the session.

Disclaimer

This skill provides financial education and planning tools, not licensed financial, tax, or legal advice.

Thailand's tax code, SSF/RMF/Thai ESG rules, and ประกันสังคม contribution caps are revised regularly. The numbers in this skill are accurate as of ปีภาษี 2568 (2025) and will need annual updates. Verify current rules with:

• Revenue Department / กรมสรรพากร — rd.go.th
• SEC Thailand / ก.ล.ต. — sec.or.th
• Social Security Office / สำนักงานประกันสังคม — sso.go.th
• Bank of Thailand / ธปท. — bot.or.th

For situations involving incorporation, complex estate planning, cross-border tax (e.g. retiring abroad, foreign income), or significant assets (>10M ฿), consult a licensed CFP, CFA, or tax attorney. The skill will explicitly recommend this when your case crosses that line.

Contributing

Pull requests welcome. The most valuable contributions:

• Annual tax updates — when ปีภาษี 2569 numbers come out, update thai-finance-rules.md
• Regional cost-of-living data — better benchmarks for ต่างจังหวัด
• New life-event playbooks — anything we missed
• Bug fixes in the dashboard math — file an issue with a reproducible example

See AGENTS.md before making code changes. It documents the architecture and how the reference files connect.

Credits & inspiration

• cjpatten/canadian-finance-planner-skill — the architecture template
• caseonix/wealth-guide — the multi-specialist concept
• anthropics/skills — official skill format
• The Thai personal finance creator community — มดเงินทอง, การเงินคนตัวเล็ก, อภินิหารเงินออม, A-Academy — for proving Thais care about this stuff

License

MIT. Use it, fork it, build on it. Just keep the disclaimer.

Built with Claude. ปีภาษี 2568 (v0.1).