Set the inputs
Enter the purchase price and set the down payment as an amount or percentage. Check that it does not exceed the price.
Down payment
Compare down-payment options, monthly installments and cash left after the purchase under your budget.
Result
Enter your assumptions and calculate payments and remaining debt.
Monthly model: interest and payments round to cents; the final payment clears the balance. Extra payments follow interest and regular payment. Total payments already include extras.
Use the contract price; VAT is not added automatically. Flat interest allocation is illustrative and does not determine early-settlement rebates.
This is an estimate, not a loan offer or an exact lender statement.
How to use this calculator
Check the terms
Enter the rate, repayment term and fees needed to estimate payments on the remaining financed amount.
Read the result
Read required upfront cash and the financed amount together. Keep an emergency reserve separate from the down payment.
A worked example
Illustrative calculation
On a 100,000 THB purchase, a 20% down payment is 20,000 THB, leaving 80,000 THB to finance before fees.
Compare a second scenario
On a 100,000 THB purchase, 20% down uses 20,000 THB and finances 80,000 THB; 30% down uses 10,000 THB more and finances 70,000 THB, before fees.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
A larger down payment is not always preferable if it leaves too little reserve cash. This calculator does not assess loan approval.