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Take-Home Pay Calculator (Vietnam)

Calculate your net take-home pay after Vietnamese social insurance (BHXH/BHYT/BHTN) and personal income tax (PIT) deductions. Based on 2024 VN tax brackets and the standard 10.5% employee contribution rate.

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Fill in the fields above and click Calculate to see your results.

How to use

Calculate your net take-home pay after Vietnamese social insurance (BHXH/BHYT/BHTN) and personal income tax (PIT) deductions. Based on 2024 VN tax brackets and the standard 10.5% employee contribution rate.

How it's calculated

BHXH/BHYT/BHTN Contribution

gross_salary * bhxh_rate / 100

Employee social insurance contribution (8% + 1.5% + 1% = 10.5%)

Personal Deduction

11000000

Standard personal deduction: 11,000,000 VND/month

Dependant Deduction

dependants * 4400000

4,400,000 VND per registered dependant per month

Taxable Income

max(0, gross_salary - bhxh_contribution - personal_deduction - dependant_deduction)

Income subject to PIT after all deductions

Tax Bracket 1 (5%)

min(taxable_income, 5000000) * 0.05

Up to 5,000,000 VND at 5%

Tax Bracket 2 (10%)

max(0, min(taxable_income, 10000000) - 5000000) * 0.10

5,000,001–10,000,000 VND at 10%

Tax Bracket 3 (15%)

max(0, min(taxable_income, 18000000) - 10000000) * 0.15

10,000,001–18,000,000 VND at 15%

Tax Bracket 4 (20%)

max(0, min(taxable_income, 32000000) - 18000000) * 0.20

18,000,001–32,000,000 VND at 20%

Tax Bracket 5 (25%)

max(0, min(taxable_income, 52000000) - 32000000) * 0.25

32,000,001–52,000,000 VND at 25%

Tax Bracket 6 (30%)

max(0, min(taxable_income, 80000000) - 52000000) * 0.30

52,000,001–80,000,000 VND at 30%

Tax Bracket 7 (35%)

max(0, taxable_income - 80000000) * 0.35

Above 80,000,000 VND at 35%

Personal Income Tax (PIT)

b1 + b2 + b3 + b4 + b5 + b6 + b7

Total PIT payable this month

Take-Home Pay (Net)

gross_salary - bhxh_contribution - pit_amount

Your actual monthly salary after all deductions

Examples

15M gross, 0 dependants

  • Employee BHXH+BHYT+BHTN Rate (%):10.5
  • Number of Dependants:0
  • Gross Monthly Salary:15,000,000

25M gross, 1 dependant

  • Employee BHXH+BHYT+BHTN Rate (%):10.5
  • Number of Dependants:1
  • Gross Monthly Salary:25,000,000

Frequently Asked Questions

What is the standard BHXH rate for employees in Vietnam?

As of 2024, employees contribute 10.5% of gross salary: 8% for social insurance (BHXH), 1.5% for health insurance (BHYT), and 1% for unemployment insurance (BHTN). The employer contributes an additional ~21.5% on top.

What is the personal deduction for PIT in Vietnam?

The personal deduction is 11,000,000 VND per month (132,000,000 VND/year). Each registered dependant adds 4,400,000 VND per month. These deductions reduce your taxable income before applying the progressive tax brackets.

How are Vietnam PIT brackets structured?

Vietnam uses 7 progressive tax brackets ranging from 5% (up to 5M VND/month taxable) to 35% (above 80M VND/month taxable). Only the income within each bracket is taxed at that rate — not your entire income.

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