Pension Estimate Calculator 2026 Vietnam

Katitax · Last updated 15/09/2026

Monthly pension = pension rate (%) × the average monthly social insurance contribution salary. The pension rate rises with years of contribution, up to a maximum of 75%. The calculator below estimates the rate and the pension amount based on gender, years of contribution, and the average SI contribution salary.

Pension estimate calculator

Fill in the details — the tool applies the correct formula for your gender.

Gender

Years of social insurance contributions

Average monthly SI contribution salary over the whole period (VND)

This is the average already adjusted by each year's inflation index — the Social Insurance agency calculates this figure when finalising a pension file. If you don't have the exact figure yet, you can estimate with the average contribution salary.

Basis of calculation: Article 66, Law on Social Insurance 2024 (Law 41/2024/QH15), effective from 01/07/2025. Women: 15 years of contribution gives a 45% rate, plus 2% for each additional year, up to a maximum of 75% (reached at 30 years). Men: 20 years of contribution gives a 45% rate, plus 2% for each additional year, up to a maximum of 75% (reached at 35 years); with only 15 up to under 20 years, men receive 40% for the first 15 years, plus 1% for each additional year. Contribution periods with extra months: 1 to 6 months count as 0.5 year; 7 to 11 months count as 1 year. The tool does not yet account for early retirement (which reduces the rate under Article 65) or the one-off allowance for years of contribution beyond the 75% cap — these need Katitax to calculate separately against your specific file.

Pension rate by years of contribution

Years of SI contributions	Female	Male
Under 15 years	Not yet eligible for a pension	Not yet eligible for a pension
15 years	45%	40%
20 years	55%	45%
25 years	65%	55%
30 years	75% (max)	65%
35 years	75% (max)	75% (max)

Source: Article 66, Law on Social Insurance 2024 (Law 41/2024/QH15).

How it is calculated, in three steps

Convert the contribution period with extra months: 1–6 extra months = 0.5 year, 7–11 extra months = 1 year.
Calculate the pension rate (%) by gender and converted years (see the table and formula above), capped at 75%.
Monthly pension = pension rate × the average monthly SI contribution salary.

This is a quick estimating tool for reference only — the real average SI contribution salary must be calculated using the inflation index for each contribution year, which Katitax does accurately against your actual file. The tool also does not yet account for early retirement (rate reduction) or the one-off allowance for years of contribution beyond the 75% maximum. Contact Katitax for a full calculation against your real social insurance file.

Pension Estimate Calculator 2026