Our pension calculator is designed to provide an estimate of your monthly pension and potential one-time retirement allowance based on Vietnam’s social insurance regulations. This calculation follows the laws and guidelines outlined in Nghị định 115/2015/NĐ-CP (Decree on the calculation of social insurance benefits) and the Luật Bảo hiểm xã hội 2014 (Vietnam’s Social Insurance Law 2014).

Calculation Steps:

1. Determine Contribution Years:

   • The total number of years you contributed to social insurance (BHXH), including time spent in different sectors or professions.

2. Calculate Pension Rate:

   • For male workers, the base rate is 45% for 20 years of contribution, with an additional 2% added for each extra year, up to a maximum of 75%.

   • For female workers, the base rate is 45% for 15 years of contribution, with an additional 2% for each extra year, also capped at 75%.

3. Calculate Average Monthly Salary:

   • The average salary is determined based on your contribution period:

     • For contributions before January 1, 2020: The average of the last 5 to 20 years (depending on when you started contributing).

     • For contributions after January 1, 2025: The average salary of the entire contribution period.

4. Monthly Pension:

   • The pension is calculated by multiplying the pension rate by your average monthly salary during your contribution period.

5. One-Time Allowance (if applicable):

   • If you contributed beyond the years required to reach the 75% pension rate cap (35 years for men, 30 years for women), you are eligible for a one-time allowance.

   • The allowance is calculated as 0.5 months of average salary for each extra year.

6. Pension Percentage:

   • The calculator displays the percentage of your pension compared to your average salary, giving you a clear understanding of your retirement income.

7. Data Privacy:

   • No information provided for the calculation will be saved or stored. All inputs are processed locally for your convenience and privacy.​

Example:

If you are a male worker who contributed for 36 years with an average monthly salary of 10,000,000 VND:

• Pension Rate: 75% ×(45% base + 16 years × 2% = capped at 75%).

• Monthly Pension: 75%×10,000,000=7,500,000 VND.

• One-Time Allowance: 1×0.5×10,000,000=5,000,000 VND.

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For more detailed regulations or personal inquiries, you can consult BHXH Việt Nam (Vietnam Social Insurance Authority) or visit their website for the latest updates.

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For technical issues and suggestions, please contact us.