Every new arrival wants to know if they can survive or live well in Thailand on X thousand baht a month?
It's a difficult question because each person has different needs. However, the following surveys and figures are from teachers actually working here! How much do they earn and what do they spend their money on?. And after each case study, I've added comments of my own.
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Approximate Thai Baht (฿) conversion rates as of 14th July 2025
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Tiago
Working in Bangkok
Monthly Earnings 64,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
64K is my full-time salary in a large private school. Before Covid I was able to make an extra 8-15k a month by teaching after-school lessons. I'm hoping to have those again next term but now I can really only just count on my full-time salary.
Q2. How much money can you save each month?
10K every month plus my end-of contract bonus (about 90K every year). I also support my wife back home (she's finishing her teaching degree so she can also move here and work) and have to pay some monthly bills from there as well (student loan, health insurance, pension and social security), which means I have to send about 20K back home each month.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay 7,000 Baht a month for a studio apartment. It's quite small but enough for one person. The condo is new, has got good facilities (gym, pool) and only a 10-minute taxi ride from the school where I work.
Q4. What do you spend a month on the following things?
Transportation
3,500 baht on commuting (mostly taxis) plus the occasional MRT or BTS trip to the city center on weekends.
Utility bills
Electricity is 700-900 baht and water another 90 baht. Internet costs 900 baht.
Food - both restaurants and supermarket shopping
10K a month. I'm not a big fan of Thai food, so on the weekends I like to treat myself to some Western food.
Nightlife and drinking
Very little. 1-2K a month.
Books, computers
Kindle e-books: 500, streaming services: 1,000 and cinema: 500-1,000
Q5. How would you summarize your standard of living in one sentence?
Comfortable. I eat Thai food or cook during the week but on weekends I eat whatever Western food I'm craving. I go to the movies two-three times a month. I travel inside the country when I'm on holiday (half term and summer break), send a considerable chunk of my pay check back home and still manage to save 10K every month. I rarely drink, so I guess that helps.
I was also able to save and pay for my Cambridge Delta course (£3,000) which is something I could never have afforded back home. So, yeah, living here has been good for me, financially.
Q6. What do you consider to be a real 'bargain' here?
Rent. Here it's about 11% of my income whereas back home it's usually 40-50%. Transportation here is also a bargain: even taxis are affordable. I also like the range of options (taxis, buses, MRT/BTS, songthaew).
And also food. If you don't have a problem living on Thai street food and/or cook, you can save a lot of money and still enjoy Western food on the weekends.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
This is obviously quite subjective but if you're single and not into partying and drinking and don't need to eat Western food every day, you can survive on 30-35K but I'd be surprised if you could save some money and travel. For that I think you'd need to make 40-45K at the very least. To play it safe, I wouldn't recommend moving to Bangkok if the pay is less than 50K a month.
Phil's analysis and comment
Thanks Tiago. 20K is a fair chunk of your salary to have to send home every month so I can understand how much you miss the extra classes that you've lost due to Covid. So basically you are living on around 44K a month and saving 10K of that. I agree that in Bangkok, at least 50K would make life more comfortable. Good call on the rent as well. As you say, it's just 11% of your income here, whereas back in your home country, it would be around four time that percentage.
Winston
Working in Nonthaburi
Monthly Earnings 40,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
40K is my full-time salary only. I don't take on private students or extra work.
Q2. How much money can you save each month?
Around 7,000 baht, sometimes less, sometimes a couple of thousand more.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
My one-bedroom condo costs 10k a month, with electricity and water included.
Q4. What do you spend a month on the following things?
Transportation
1,500 baht
Utility bills
Electricity, water circa 3,000 baht, insurance another 3,000, mobile phone, fibre, monthly subscriptions etc. 1,000 baht.
Food - both restaurants and supermarket shopping
10-15,000.
Nightlife and drinking
I don't go to nightclubs or pubs. I only drink at home and this expense comes to around 3,000.
Books, computers
Nothing.
Q5. How would you summarize your standard of living in one sentence?
It's comfortable but I can't really save a lot. The salary is not that great to begin with, and living in Thailand is not as cheap as it was. You need to cook rice and chicken, and stop drinking, buying snacks, or going out if you want to save another 10K. Don't take taxis, don't turn on the air-con, okay, that's another 3-4K saved. But why would you do that? I'd rather go home than live like this, only to save 300-400 USD a month.
Q6. What do you consider to be a real 'bargain' here?
I don't really know. You are not living in Bangkok nor in the peaceful countryside or near a beach. And feeling like "a fly in the milk" lol.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
60K to live a safe, healthy, and comfortable life, and be able to travel locally, while also saving a bit. But not going out drinking.
Phil's analysis and comment
Thank you Winston. I don't think we've heard from a teacher in Nonthaburi for some time but it was quite a popular destination for teachers in the past (and probably still is) because you are very near to Bangkok but don't quite have the temptations that you would have if you were living in the city itself, so your 40K a month probably goes that bit further. I wouldn't argue with your 60K a month for a comfortable lifestyle though - even in Nonthaburi!
Tim
Working in Bangkok
Monthly Earnings 67,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
50,000 from a full-time job at a private school and 17,000 from private gigs (approx 500 baht per hour)
Q2. How much money can you save each month?
I can save approximately 37,000 baht each month. Once the cost of trips home and 3/4 trips throughout the country are taken into account, it amounts to approx 25,000 per month.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I pay 9,000 baht for a studio apartment which has fantastic facilities right on the MRT line. I can find the living space cramped at times but I prefer to spend my free time around the facilities on offer (gym, pool, study areas, lounge etc)
Q4. What do you spend a month on the following things?
Transportation
Approx 2,000 a month including monthly MRT commutes to work and various buses on the weekends and minivan trips
Utility bills
Utility bills are really low - approx 90 baht for water and 800 baht for electric for the month. I will forego the air-con during the day but cannot sleep without it on during the night
Food - both restaurants and supermarket shopping
I have just started cooking at home so I am hoping this expense drops. However, I spend approx 13-15k on food a month. I generally eat out but have no real craving for Western food (the odd time a craving for a beefburger arises but that is about it)
Nightlife and drinking
Almost nothing. If I go out drinking it would be for a beer or two and no more. I would say I go out drinking maybe once a month and it amounts to maybe 250 baht a month
Books, computers
None
Q5. How would you summarize your standard of living in one sentence?
Comfortable without being excellent. Even if I was earning a gigantic salary, I would live the same way each month anyway. The only difference would be in the frequency of trips home or the type of places I can stay when I do splash out on holidays
Q6. What do you consider to be a real 'bargain' here?
Taxis are the ones I see most frequently mentioned here and I would have to say that I would agree. I also think that accommodation is a real bargain here, despite living in a "box" that same "box" would cost 40K baht upwards at a minimum where I am from
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
50K to survive and 80K to be comfortable (both after tax)
Phil's analysis and comment
Thank you Tim. So when the figures are totted up, you manage to live in Bangkok on just over 40K a month while still managing to save 25K, which is decent. As you say it's a lifestyle that's 'comfortable without being excellent'. I think 40K is definitely at the very bottom end now for Bangkok.
Eva
Working in Bangkok
Monthly Earnings 33,000
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
33K is my full-time salary at a language school located in central Bangkok.
Q2. How much money can you save each month?
14,000
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I spend 5,000 per month on a newly-built condo, with a swimming pool, the usual fitness facilities but most importantly I share the cost with my significant other. Total cost is 10,000 baht per month.
Q4. What do you spend a month on the following things?
Transportation
I go the the language school three times a week, but at inconvenient times such as weekends or late in the afternoon. I’m a slicker for managing my money so I spend exactly 450 baht a week or 1,800 baht a month on this. The other 3 days a week, I’m teaching online using my own computer.
Utility bills
About 800-1,000 baht a month, which includes air-con every night. Water is about 100 baht a month.
Food - both restaurants and supermarket shopping
90% of the time it’s street food, which I take back to my apartment. This comes to about 200-250 baht per day. Supermarket shopping I budget and spend about 1,000 baht a month for.
Nightlife and drinking
None.
Books, computers
I have an English TV subscription that sets me back about 500 baht per month. Books are free online if you know where to look.
Q5. How would you summarize your standard of living in one sentence?
I'm a Brit living on a pittance, being paid illegally, having to scrape by each month just to have a savings pot that is slowly being wiped out by inflation.
Q6. What do you consider to be a real 'bargain' here?
If I had a better salary, many things are bargains here. I can buy a bottle of coke for around 15 baht, which is about 40p, or fresh food from the market for about 50-70 baht.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
At least 50,000 with the potential to earn more.
Thailand, especially Bangkok's cost of living, has gone up tremendously over the last few years. Sure, I might be saving some cash but in the grand scheme of things it’s a small amount of money. In the future, another 5-10 years from now, your standard 33-35k job isn’t going to be enough to live on and I pity anyone who wants to do it.
You really need to have a long term plan for Thailand and especially have a back up plan. Forget TEFL. Long term that’s going to the pan. Wages are stagnant and like I said, in another 5-10 years people will still be fighting over 33-35k jobs.
Once you have to return to reality, you’ll wish you'd planned ahead and took the time to properly acquire the right qualifications needed if you want to teach long term, otherwise you’ll be left with no real skills and back stacking selves.
My circumstances are different but I have stuck around for three years doing an education degree, but ultimately I’ll be back in the UK soon acquiring these qualifications as I’m still in my twenties and don’t want to end up with a decade of tefl experience and still scraping the bottom of the barrel with these low paid TEFL jobs.
Phil's analysis and comment
You certainly got it all off your chest in that last few paragraphs, Eva and I wouldn't disagree with a word of what you said. Those of us in Bangkok are all noticing how the cost of living has crept up and up. You say those 35K jobs won't cut it in five years time but I'm not sure they even do now. Your '50K with the potential to earn more' is far nearer the mark for Bangkok. It's becoming one expensive city, especially if you have Western tastes.
Scott
Working in Ho Chi Minh City, Vietnam
Monthly Earnings 91,500 baht equivalent
Q1. How is that income broken down? (full-time salary, private students, on-line teaching, extra work, etc)
Full-time salary (after tax) from a large private school, including housing allowance.
Q2. How much money can you save each month?
Most months I save about 30,000 baht. This is split evenly between cash savings and investing in an index fund. I try to save a bit of extra cash for travelling during the summer break.
Q3. How much do you pay for your accommodation and what do you live in exactly (house, apartment, condo)?
I live in a serviced apartment which costs about 13,500 baht a month. This includes twice weekly cleaning and internet.
Q4. What do you spend a month on the following things?
Transportation
I have my own bike so it costs me very little to get back and forth to work. Grab bikes are really cheap when going on a night out.
Utility bills
Electricity and water costs about 1,500 - 2,000 baht a month.
Food - both restaurants and supermarket shopping
This is probably my biggest expense. There is so much good food in HCMC. I eat out several times a week so this is usually about 15K a month.
Nightlife and drinking
HCMC is a really social city, there is always something going on. This is one of my biggest expenses although I am trying to be more strict with myself in this area. I usually spend about 15K a month.
Books, computers
I have a work laptop so I don't spend anything on computers. I have an audible account so usually access books in this way.
Q5. How would you summarize your standard of living in one sentence?
I feel that my salary gives me a decent enough living standard currently and I am able to save a decent amount each month without sacrificing my living standards. I really appreciate living in a city where rent is affordable enough to not have to rely on a partner or roommates.
Q6. What do you consider to be a real 'bargain' here?
Eating out here is really reasonable, especially if you are eating at local restaurants.
Q7. In your opinion, how much money does anyone need to earn here in order to survive?
You could live on about 40,000 baht a month here but you need to be earning more if you want to save anything and afford to travel.
Phil's analysis and comment
Interestingly we put up a great escape survey just yesterday from a teacher who taught in Thailand for four years but moved to work in Vietnam in 2019. He sounded like he was really enjoying life there and felt Vietnam had many advantages over Thailand. Scott's cost of living survey also paints quite a glowing picture.
Showing 5 Cost of Living surveys out of 447 total
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