Calculator

Pawn interest calculator

Enter an amount and planning period to estimate interest and a total using the published rates. The figures printed on the pawn ticket remain the source of truth.

Interest calculator

Choose an amount and duration to estimate interest and total repayment.

Amount you needTHB

Up to ฿100,000 per ticket — the ceiling set by the Pawnshop Act.

Months you plan to hold (per pawn ticket)5months½ moUse the dates on the ticket5 mo

Interest per month

265 THB

Total interest

1,325 THB

Estimated total

21,325 THB

See the arithmetic

This is a planning estimate using Money OK’s published rates, not a confirmed amount. Check the figures, dates and terms printed on the pawn ticket before deciding.

Timeline showing the part-month rule: 15 days or fewer counts as half a month, more counts as a full month — How a part-month is counted
The bar is one incomplete month; the divider is day 15.
15 days or fewer: charged as half a month
More than 15 days: charged as a full month
The gold mark is the day-15 line
Pawnshop Act B.E. 2505, section 17 — fractions of a satang are dropped.

Reading the numbers

The rate has two tiers

The first ฿2,000 of principal is charged at 2% a month and the balance at 1.25% a month. The two are added — it is not one flat rate.

How a part-month is rounded

The Pawnshop Act sets this: a remainder of 15 days or fewer is half a month, more than 15 days is a full month. Pawn on the 1st and redeem on the 10th and you owe half a month, not a whole one.

No early-redemption penalty

You can redeem early without a penalty, but interest is not calculated day by day. Redeeming within the same half-month bracket may cost the same. Same-day pawning and redemption is charged as half a month. Ask the branch to confirm the amount before paying.

Interest does not compound

Each month is calculated on the original principal. Unpaid interest is never charged interest of its own.

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The real figure comes from the branch

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