Vietnamese Voluntary Social Insurance (BHXH Tự Nguyện) Calculator
Calculate your monthly contribution for Vietnamese voluntary social insurance (bảo hiểm xã hội tự nguyện). Contributors pay 22% of their chosen income base (mức thu nhập tự chọn). The state provides subsidies for eligible households: 30% for poor households, 25% for near-poor households, and 10% for others in difficult areas. The minimum income base is the regional minimum wage (~1,800,000 VND/month for rural areas) and the maximum is 20× the basic salary (46,800,000 VND/month in 2025).
Fill in the fields above and click Calculate to see your results.
How to use
Plan your retirement by calculating your Voluntary Social Insurance (BHXH tự nguyện) contributions in Vietnam. Enter your chosen monthly income base (which must be at least the poverty line), the state subsidy percentage based on your demographic (e.g., poor household), and how many years you plan to contribute. The calculator shows your gross monthly premium, how much the state covers, and your net out-of-pocket payment, helping freelancers secure their future.
How it's calculated
Monthly Gross Contribution
22% of your chosen income base before state subsidy
Monthly State Subsidy
State subsidy amount deducted from your gross contribution
Monthly Net Contribution (You Pay)
Amount you actually pay each month after state subsidy
Total Contribution Over Period
Total amount you pay over the planned contribution period
Estimated Pension Base (Rough Estimate)
Rough monthly pension estimate: 2.2% of income base per year of contribution. Actual pension depends on many factors.
Examples
Income base 2,000,000 VND, 10% subsidy, 20 years → monthly net 396,000 VND
- Chosen Monthly Income Base (VND):2,000,000
- State Subsidy Percentage:10
- Planned Years of Contribution:20
Result
- Monthly Net Contribution (You Pay):396,000
- Monthly Gross Contribution:440,000
- Monthly State Subsidy:44,000
- Total Contribution Over Period:95,040,000
- Estimated Pension Base (Rough Estimate):2,000,000
On a 2M income base, the gross premium is 22% (440k). A 10% subsidy reduces your net payment to 396k.
Income base 5,000,000 VND, no subsidy, 20 years → monthly net 1,100,000 VND
- Chosen Monthly Income Base (VND):5,000,000
- State Subsidy Percentage:0
- Planned Years of Contribution:20
Result
- Monthly Net Contribution (You Pay):1,100,000
- Monthly Gross Contribution:1,100,000
- Monthly State Subsidy:0
- Total Contribution Over Period:264,000,000
- Estimated Pension Base (Rough Estimate):5,000,000
Choosing a 5M base with no subsidy means you pay the full 22% (1.1M) monthly. Over 20 years, you contribute 264M.
Industry Benchmarks
| Metric | Typical Range |
|---|---|
| The voluntary contribution rate is strictly 22% of the chosen income base. | 22 % |
Data source: Vietnam Social Security (VSS)
Frequently Asked Questions
Who should participate in voluntary BHXH in Vietnam?
What benefits does voluntary BHXH provide?
How is the pension calculated for voluntary BHXH?
Can foreigners participate in voluntary BHXH?
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