07Planner

Off-plan payment plan calculator for Thailand, in your currency

How much do I pay, when, and in my currency?

Lay out an off-plan payment plan by date in baht and your own currency, test a move in the exchange rate, and see your position at handover on your own view.

About 2 minutes

The home and its plan

Start from

A development's plan is the schedule its developer publishes. Your own schedule follows your reservation agreement.

Development

Price (THB)

The developer's published starting price for this home. Change it to the price on your offer.

Reservation month (optional)Add it to see each payment by calendar month.

Your currency

The currency you pay from

Your view of value

Your assumption: change in value, a year

Your own figure. It starts at zero because nobody can promise a price at handover. Read what the price indices show before you set it.

Paid before handover

THB 1,950,000

50% of the price, before the keys. The balance of THB 1,950,000 falls due at handover, in month 2.

On signing the contract: Contract30% of the price: THB 1,170,000
During construction: Down payment20% of the price: THB 780,000
On handover: Final payment50% of the price: THB 1,950,000
Total: THB 3,900,000

Value at handover, your assumption

THB 3,900,000

At zero change, the price you agreed.

Against the price

THB 0

On paper only, before the costs of buying and selling.

In short

You commit THB 3,900,000 across 3 payments: 50% before handover and 50% at it.

The schedule is the one published for BRISA Patong by Sansiri, completion Q3 2028. The reservation agreement governs; check it before you pay. Converted at the reference rates of 12 November 2026 (European Central Bank reference rates via frankfurter.dev); your bank’s rate and margin will differ. The currency and value figures are your assumptions, not forecasts: we do not predict prices or exchange rates. Send each payment from abroad in foreign currency and keep the bank’s evidence (a Foreign Exchange Transaction Form from USD 50,000, a credit advice below it) to register a freehold condominium and, later, to send sale proceeds home.

Sources for these figures

Talk it through

An adviser can confirm the current schedule and price list, and set the payment dates against your transfers home.

WhatsApp us

Next step

Send me this payment plan

Your schedule by email, payment by payment, with an adviser to check it against the developer's current terms.

WhatsApp us View BRISA Patong by Sansiri Paying from abroad

Where should we send it?

The method

How the off-plan payment planner works

Pick a development whose payment schedule is published, or enter the schedule in your own reservation agreement: the deposit, the instalments during construction and the balance at handover.
Each payment is set out by month and converted into your currency at the dated reference rates the site uses for every price.
The currency test is your own: move the baht up or down by handover and the change builds evenly across the schedule, so later payments feel more of it.
The value at handover uses your own growth assumption, which starts at zero. We do not forecast prices or exchange rates.

Rates reviewed 12 November 2026. General guidance, not legal or tax advice. Take independent legal advice before you commit to a purchase.

Embed this tool on your site

Free to use with the credit line intact. Copy the code below.

<iframe src="https://www.thailandpropertyinvestor.com/embed/off-plan-payment-planner" title="Off-plan payment planner" width="100%" height="760" style="border:0" loading="lazy"></iframe>
<p>Tool by <a href="https://www.thailandpropertyinvestor.com/tools/off-plan-payment-planner">Thailand Property Investor</a></p>

Questions

Off-plan payment planner: questions it answers

How do off-plan payment plans work in Thailand?

A buyer pays a reservation deposit, then a share of the price on signing the sale and purchase agreement, often instalments while the building goes up, and the balance at the Land Office on transfer. Each developer sets its own schedule, so read it in the reservation agreement.

Can I pay for an off-plan Thai condominium in my own currency?

You send your own currency and a Thai bank converts it to baht. To register a freehold condominium, the price must arrive from abroad in foreign currency, and the bank's evidence (a Foreign Exchange Transaction Form from USD 50,000, a credit advice below it) is needed at transfer and again when you sell.

What happens if the exchange rate moves during construction?

Each instalment costs whatever your currency buys on the day you send it. A schedule with most of the price due at handover leaves more of the cost exposed to the rate at the end. The planner lets you test a move of your own choosing.

Read further

The guides behind the numbers

All guides

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