Thailand Readiness

Readiness Index

A simple, opinionated tool to sense-check whether your capital, withdrawals, and planning are aligned with a part-time life in Thailand.

Inputs

Target monthly spend in Thailand (GBP)

Your best-guess monthly living costs while in Thailand.

Invested capital today (GBP)

Liquid, invested assets you could draw from for Thailand living costs.

Expected net monthly income (GBP)Optional

Any reliable income that reduces how much you need to withdraw from investments.

Withdrawal rate (% per year)1–10%

The percentage of your invested capital you plan to withdraw each year.

Months per year in Thailand0–12

More months = more complexity (visas, healthcare, tax).

Emergency fund (months of expenses)0–12

Cash buffer held outside your long-term investments.

Risk tolerance

A rough, self-reported sense of how much volatility you can tolerate.

I have a written planI′ve tested this budget in real life

A rough 0–100 view of how aligned your numbers and planning are with a Thailand-heavy life.

Not ready yet

out of 100

Not financial advice – this is a rough, rules-based lens to help you spot where to tighten your plan.

Your invested capital covers less than 60% of the target. Consider increasing savings, delaying the move, or reducing target spending.
Consider nudging your emergency fund towards 6+ months to better handle surprises and travel disruptions.
Capture a simple written plan covering target spend, income sources, tax, visas, and what would make you pause or adjust.
Test-drive your Thailand budget for a few months at home (or during a shorter trip) to see how the numbers feel in real life.
Because you plan to spend most of the year in Thailand, spend extra time validating healthcare, visa, and cost-of-living assumptions.