Thailand visa cost calculator
Plug in your visa type and lifestyle. We add up government fees, extensions, insurance, 90-day reporting, agent fees, and re-entry permits — annual and 5-year totals.
Your situation
Each trip out needs a re-entry permit: ฿1,000 single / ฿3,800 multi.
What the calculator includes and what it doesn't
Visa cost is rarely just the visa fee. The cost calculator above adds in the items that actually drive your annual spend on visa-related expenses: government fees, extensions, mandatory insurance for O-A and O-X, optional insurance for everything else, agent fees if you use one, re-entry permits if you travel, and 90-day reporting handling if you outsource it.
What's included in the year-1 number
- Initial visa fee at embassy or airport
- One-time membership fee for Privilege tiers (full upfront)
- Annual insurance premium for chosen tier
- Re-entry permit cost based on trip count (single ฿1,000 each, multi-entry ฿3,800 if 2+ trips)
- 90-day reporting cost (free DIY, ฿500 backup, or ~฿3,000 full agent)
- Optional agent fee for handling visa application/extension
What's not included
- Travel costs to Thai embassy abroad (for visas requiring embassy application)
- Document translation, notarization, and apostille (typically $100–$500 one-time)
- Bank account opening fees (typically free or ฿200)
- Initial seasoning of bank deposit (you keep this — it's not a cost)
- Cost of the underlying Privilege Visa membership prorated annually for ongoing comparison (the calculator shows this in the breakdown)
- Healthcare costs above insurance limit (varies by individual)
- Tax implications (LTR's tax exemption is significant but not cost-modeled here)
Why the 5-year total matters more than year 1
Some visas are front-loaded (Privilege: ฿900k year 1, then ~฿100k/year amortized). Some are evenly spread (Non-O: ~฿2,000/year extension + insurance + agent). The 5-year total reveals true cost-per-day of residency — which is the relevant metric for deciding between visa categories.
Sample comparison: 50-year-old retiree, ฿50k/yr insurance, full agent
| Visa | Year 1 | 5-year total | Per month avg |
|---|---|---|---|
| Non-O Retirement | ฿82,400 | ฿326,300 | ฿5,438 |
| O-A Retirement | ฿86,000 | ฿340,300 | ฿5,672 |
| Privilege Gold | ฿1,000,000 | ฿1,180,000 | ฿19,667 |
| LTR Wealthy Pensioner | ฿155,000 | ฿485,000 | ฿8,083 |
Privilege Gold's per-month figure looks scary, but remember: at year 6 the Privilege Gold's amortized cost drops because the original ฿900k membership is paid off. Plus tax savings (if applicable) under LTR change calculations significantly for high-income retirees.
How insurance choice affects the math
Insurance is the biggest variable for retirees. Same Non-O Retirement visa with no insurance: ฿15,000/year. With ฿200k/year premium insurance: ฿215,000/year. Pick your insurance tier based on age, health, and risk tolerance — read our health insurance guide for what coverage levels actually look like in practice.
Agent fees: when worth it
Year 1 with an agent: usually worth ฿8,000–฿15,000 to learn the process. Years 2+ on Non-O Retirement: most do it themselves to save the fee. Privilege concierge replaces all agent needs. LTR's online portal is friendly enough most do it themselves.