Salary & DCA Planner

Adjust your numbers — Recommendation tab updates live

Salary Setup

THB / month
Gross Salary 56,500 THB
PVD (15%) -8,475 THB
Take-Home 48,025 THB

Fixed Monthly Costs

Total fixed costs 500 THB 1%

Monthly Expenses & Investing

Monthly Allocation

PVD (auto)
8,475
15%
DCA Investment
12,000
global index fund
Fixed Expenses
14,833
weekly+commute+family+fixed
Buffer
12,717
10,000 personal

DCA Growth Projection (7% avg/yr)

Year Total Contributed Est. Portfolio Value Gain

Assumes 7% average annual return (S&P 500 ~10% historical, adjusted for fees & inflation). Estimate only.

Recommended Global Index Funds (Thai)

SCBDOW
Tracks S&P 500 / Dow Jones — US large cap. Low cost, most popular.
US Market
TMBAGLF
TMB Global Index — diversified across US, Europe, Asia.
Global
KFGBRANRMF
Global index + RMF tax deduction (max 30% of income).
RMF + Tax

Start with SCBDOW. Set a fixed DCA date (e.g. 25th). Don't check it daily.

My Specific Plan

Based on your planner settings — updates live

What You Should Do Each Month

DCA (Invest)
12,000
THB / month
Personal Money
10,000
THB / month
Buffer / Spare
11,192
THB / month

Your numbers look healthy.

Full Monthly Breakdown

Gross Salary 56,500 THB
PVD (15%) -8,475 THB
Take-Home 48,025 THB
Living (weekly) -4,333 THB 9%
Commute -2,500 THB 5%
Family help -7,500 THB 13%
Personal money -10,000 THB 18%
DCA investment -12,000 THB 21%
= Monthly Buffer / Spare 11,192 THB 20%

Why These Numbers?

Emergency fund Already done ✓
DCA % of take-home ~40%
Personal % of take-home ~33%
Savings rate (DCA + buffer) 48% of surplus

Balance goal: ~40% DCA, ~33% personal, rest as buffer.

DCA Growth Projection

Assumes 7% annual return. Dashed = double DCA after year 6.

Key Milestones

Year 1
~149,000 THB
DCA portfolio
Year 3
~482,000 THB
Compounding becoming visible
Year 5
~848,000 THB
Portfolio earns more than you invest monthly
Year 10
~2,085,000 THB
Over 2M — compounding doing the heavy work

5 Rules to Follow

📅
Fixed DCA date every month Pick the 25th. Automate it. Never skip, never time the market.
👁️
Don't check daily Check quarterly at most. Short-term drops are normal.
📈
Raise DCA with every salary increase Add at least 50% of every raise to DCA before lifestyle inflates.
💳
Personal money is a ceiling Unspent personal money stays as buffer — not next month's spending.
🎯
Family obligations: reduce buffer, not DCA Your buffer can absorb family obligations without touching DCA.

How Much Should You DCA? (% of Take-Home)

~10% Too Low — Just Starting

Suits people with heavy obligations (loan, rent, family support). Better than nothing, but wealth builds slowly. If life improves, move up.

Example amount: 4,800 THB/mo
10-year portfolio: ~830,000 THB
15–30% Balanced — The Sweet Spot

Best balance between investing and living. You still have money to eat out, travel, and enjoy life — while building real wealth. Most people should aim here.

Example amount: 9,600–12,000 THB/mo
10-year portfolio: ~1.7–2.1M THB
30–40% Aggressive — Fast Wealth Builder

For people with a clear goal — early retirement (FIRE), buying property, or fast capital building. Requires cutting lifestyle costs. Risk: pushing too hard may cause you to quit entirely, which is worse.

Example amount: 14,400–19,200 THB/mo
10-year portfolio: ~2.5–3.3M THB
40%+ Too Much — Burnout Risk

Only works for people with near-zero obligations and extremely high discipline. Most people can't maintain this and quit — destroying the compounding effect. Consistency over years beats a high % that stops after 6 months.

Example amount: 19,200+ THB/mo
10-year portfolio: ~3.3M+ THB

Consistency matters more than the percentage. A lower % you can maintain for 20 years beats a high % you quit after 1 year.