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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).

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

How to use

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).

How it's calculated

Monthly Gross Contribution

income_base * 0.22

22% of your chosen income base before state subsidy

Monthly State Subsidy

income_base * 0.22 * subsidy_pct / 100

State subsidy amount deducted from your gross contribution

Monthly Net Contribution (You Pay)

income_base * 0.22 - income_base * 0.22 * subsidy_pct / 100

Amount you actually pay each month after state subsidy

Total Contribution Over Period

(income_base * 0.22 - income_base * 0.22 * subsidy_pct / 100) * 12 * contribution_years

Total amount you pay over the planned contribution period

Estimated Pension Base (Rough Estimate)

income_base * contribution_years * 0.022

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

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

Frequently Asked Questions

Who should participate in voluntary BHXH in Vietnam?

Voluntary BHXH is designed for workers not covered by compulsory social insurance — including freelancers, self-employed individuals, farmers, and household business owners. It is especially beneficial for those who want to secure a pension (lương hưu) and death benefit (trợ cấp tử tuất) in retirement. You must be between 15 and 60 years old (men) or 55 years old (women) to join.

What benefits does voluntary BHXH provide?

Voluntary BHXH provides two main benefits: a monthly pension (lương hưu) upon reaching retirement age with at least 20 years of contributions, and a lump-sum death benefit (trợ cấp tử tuất) for your family. Unlike compulsory BHXH, voluntary BHXH does not cover sickness, maternity, or occupational accident benefits.

How is the pension calculated for voluntary BHXH?

The monthly pension equals 45% of the average monthly income base for the first 15 years of contribution, plus 2% for each additional year (up to 75% maximum). The actual calculation is complex and depends on your contribution history and the income base at the time of retirement. This calculator provides a rough estimate only — consult bhxh.gov.vn for precise figures.

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