Quick, honest tools to sanity-check the numbers before you dig into any overseas property. No sign-up, nothing stored.
Gross and net yield from a property's price and monthly rent.
Open →Thai transfer fee, business tax, stamp duty and the buyer's likely share.
Open →Monthly payment, total interest and total cost of a property loan.
Open →These three tools answer different questions and they are useful at different moments. Reaching for the wrong one produces a number that looks authoritative and settles nothing. The sequence below is roughly the order a real purchase runs in.
| Stage | The question in your head | Tool |
|---|---|---|
| Deciding whether the idea works at all | Can income from this kind of property plausibly justify the capital? | Rental yield |
| Working out what you can commit | If I borrow rather than pay cash, what does that cost me monthly and across the whole term? | Mortgage & repayments |
| Budgeting a specific purchase | What lands on top of the price at the Land Office, and how much of it is genuinely mine to pay? | Transfer fees & tax |
| Sanity-checking the whole picture | What have I still not counted? | The costs hub |
The most common mistake is running only the first. A yield figure on its own describes an income stream in isolation; it says nothing about what the purchase costs to execute or what servicing a loan removes from that income. Buyers who run all three usually find the third one changes the answer to the first.
They are deterministic. Each takes numbers you supply and applies arithmetic to them — there is no market data behind the scenes, no assumption about any particular development, and nothing is stored or sent anywhere. Change an input, watch the output move, and you learn which variable your outcome is actually sensitive to. That sensitivity is the point. It is usually more valuable than the headline figure, because it tells you which part of the deal to negotiate hardest and which part to stress-test before committing.
They share their limits too. None of them forecasts capital growth, none accounts for exchange-rate movement between the currency you earn in and the currency you spend in, and none can price the liquidity of a specific market — how long a resale takes and what exiting costs. Those three things frequently matter more to the final outcome than anything a calculator can produce. Treat every output here as a planning figure to be replaced by a written quotation from a lawyer, lender or accountant before money moves.
Only the transfer fee tool, which models Thai statutory charges and the Land Office process. The yield and mortgage calculators are currency-agnostic and market-agnostic — they are plain arithmetic and work for a property anywhere. Enter figures in whatever currency you like, provided you use the same one throughout.
No. Every calculation runs in your browser and nothing you enter is transmitted or stored. There is no sign-up and no email gate on any of the three.
Usually because a quotation includes lines these tools deliberately exclude — legal fees, sinking fund contributions, lender arrangement fees, currency conversion spread — or because it rests on different assumptions about occupancy, appraised value or rate. When the two disagree, the written quotation is the one to trust; use these tools to interrogate it rather than to replace it.
Not on these pages. The Expat Investor is an introducer, and specifics about any individual development — its actual costs, charges and terms — are confirmed privately rather than published. Everything here is generic mechanics that applies whatever you end up buying.
Ready for the real numbers on a specific development?
See if you qualify →A calculator only answers the question you ask it. See the cost-of-ownership hub these calculators feed into.