HAPRI's Vietnam payroll and benefits calculators, rebuilt for your phone
- Jun 24
- 7 min read
Updated: Jul 10
HAPRI offers seven free, bilingual (English and Vietnamese) online calculators for Vietnam's 2026 payroll, pension and benefit rules. The set covers personal income tax, a salary calculator (gross-to-net and net-to-gross), 13th-month and Tết bonus tax, pension, unemployment support, and lump-sum social insurance. All seven have now been rebuilt mobile-first. They are free, need no sign-in, and each one cites the exact laws it applies. The full set lives at hapri.org/tools-financial.
Vietnam's tax and social-insurance framework was substantially renewed for 2026. A new Personal Income Tax Law (Law 109/2025/QH15), an updated Law on Social Insurance (Law 41/2024/QH15), and a new Law on Employment (Law 74/2025/QH15) changed how take-home pay, pensions, unemployment support and year-end bonuses are calculated. The new rules are designed to be clearer, and because they are new, most people are meeting them for the first time.
To make the new framework easy to work with, HAPRI maintains a suite of seven free calculators. Today we are happy to share that all of them have been rebuilt mobile-first, so they are just as easy to use on a phone on the way to work as on a desktop.
Answer first: the personal income tax calculator puts your take-home pay at the top, with every input one tap away. (Mobile view.)
What changed in the redesign
The calculators were re-engineered around the way most people actually open them, which is on a small screen.
The answer comes first. Your take-home pay, monthly pension or benefit appears at the top in large, readable type, with the supporting detail underneath.
Filters stay out of the way. Inputs collapse into a tidy "More filters" drawer, and on a phone each slider gets its own full-width row instead of being squeezed two-to-a-line.
Every number is explained. Visual breakdowns show how the figure is built, from insurance components and progressive tax brackets to pension replacement-rate curves and contribution timelines, and ⓘ popups explain the inputs that trip people up.
You stay in control of the view. Switch the display currency (VND or USD) and compare your result against the previous law to see exactly what the 2026 changes mean for you.
English and Vietnamese. Every tool is fully bilingual, so you can switch the whole interface with one tap.
Private by design. Calculations run entirely in your browser. Nothing you type is sent to a server.
As you scroll, the filters tuck into a sticky "More filters" bar so the answer stays in view.
Tap "vs 2025" to compare your result under the previous rules and the 2026 Personal Income Tax Law (Law 109/2025/QH15).
ⓘ popups explain the inputs that trip people up, such as which months count toward unemployment eligibility.
Each calculator also footnotes the exact laws, resolutions and decrees it applies, and links to a plain-language methodology, so you can always see the basis for a number rather than taking it on trust.
The seven Vietnam tax, salary and benefit calculators
All seven live under HAPRI's Financial Tools hub. They are free, and no sign-in is required.
Personal Income Tax calculator shows your take-home pay after tax and insurance, for residents and non-residents, with dependent allowances and regional minimum wages.
Basis: PIT Law 109/2025/QH15, Resolution 110/2025/UBTVQH15, Decree 293/2025/ND-CP, Decree 161/2026/ND-CP, Decree 253/2026/ND-CP.
Gross-to-Net salary calculator turns a gross salary into the net amount that actually reaches your account, after compulsory social, health and unemployment insurance and personal income tax.
Basis: PIT Law 109/2025/QH15, Law on Social Insurance 41/2024/QH15, Decree 293/2025/ND-CP, Decree 161/2026/ND-CP.
Net-to-Gross salary calculator works backwards from a take-home figure you want to the gross an employer needs to offer. Useful when negotiating an offer.
Basis: PIT Law 109/2025/QH15, Law on Social Insurance 41/2024/QH15, Decree 293/2025/ND-CP, Decree 161/2026/ND-CP.
13th-month / Tết bonus tax calculator shows how much of a year-end or Lunar New Year bonus is taxed and what lands in your pocket.
Basis: PIT Law 109/2025/QH15, Social Insurance Law 41/2024/QH15, Decree 293/2025/ND-CP, Decree 161/2026/ND-CP.
Pension calculator estimates your monthly pension as a share of your average contribution salary, by years contributed, with gender-specific thresholds.
Basis: Law on Social Insurance 41/2024/QH15, Labour Code 45/2019/QH14, Decree 135/2020/ND-CP, Decree 161/2026/ND-CP.
Unemployment support calculator shows your monthly unemployment benefit and how long it lasts, from your average salary and months of contribution.
Basis: Law on Employment 74/2025/QH15, Decree 374/2025/ND-CP, Decree 293/2025/ND-CP.
Lump-sum social-insurance calculator estimates a one-time social-insurance withdrawal, with the different multipliers for years contributed before and from 2014.
Basis: Law on Social Insurance 41/2024/QH15, Decree 158/2025/ND-CP.
The pension calculator shows your monthly pension as a replacement rate, here 55%, split into the base and bonus accrual, with room to the 75% cap.
Gross-to-net itemizes every deduction: social, health and unemployment insurance, then progressive personal income tax.
Every tool is fully bilingual, so the same calculator works in English or Vietnamese.
Every tool is fully bilingual. The same calculator, in Vietnamese.
On desktop
The redesign is mobile-first, but the same tools open up on a larger screen. On desktop the layout reflows from one column into two, with the calculator and its result on the left and supporting context on the right, such as the minimum-wage zone map, the retirement-age phase-in, or the contribution timeline.
Personal income tax on desktop: the inputs, take-home figure and tax-bracket charts on the left, the minimum-wage zone map on the right.
Pension on desktop: the replacement-rate breakdown and the rate-versus-years curve on the left, the retirement-age phase-in table on the right.
Unemployment support on desktop: the monthly benefit and the months-of-contribution timeline on the left, the regional minimum-wage zone map on the right.
Built on Vietnam's 2026 laws
Vietnam renewed its core payroll and social-insurance laws for 2026. The calculators apply the following instruments, and each figure footnotes the ones behind it:
Vietnam's 2026 Personal Income Tax Law is Law 109/2025/QH15. Resolution 110/2025/UBTVQH15 and Decree 293/2025/ND-CP set the rates, allowances and regional minimum wages that go with it; the regional minimum wage also sets the cap on unemployment benefits.
The Law on Social Insurance is Law 41/2024/QH15. It governs pensions and lump-sum social-insurance withdrawals; the statutory retirement ages it uses come from the Labour Code (Law 45/2019/QH14) and Decree 135/2020/ND-CP, and lump-sum withdrawals also draw on Decree 158/2025/ND-CP.
The Law on Employment is Law 74/2025/QH15, with Decree 374/2025/ND-CP, which governs unemployment support.
A 13th-month salary or Tết (Lunar New Year) bonus is taxed as employment income under the Personal Income Tax Law.
Already updated for the 1 July 2026 changes
The 2026 framework did not stand still. Two further decrees took effect on 1 July 2026, and all seven calculators already apply them, in both languages.
What changed | Until 30 June 2026 | From 1 July 2026 |
Reference level (mức tham chiếu) | 2,340,000 VND a month | 2,530,000 VND a month |
Social + health insurance contribution cap | 46,800,000 VND | 50,600,000 VND |
Maximum formula pension | 35,100,000 VND | 37,950,000 VND |
Medical expense deduction (PIT) | not available | up to 23,000,000 VND a year |
Education and training deduction (PIT) | not available | up to 24,000,000 VND a year, combined ceiling 47,000,000 |
Pensions already in payment | unchanged | raised by 8% |
The new cap and ceiling come from Decree 161/2026/ND-CP, which raised the reference level; the medical and education deductions come from Decree 253/2026/ND-CP and, under current guidance, are claimed at the year-end tax settlement rather than in monthly withholding. The 8% rise for pensions already in payment comes from Decree 162/2026/ND-CP and applies to current pensioners rather than to the new-pension formula the calculator models.
That is what keeping pace with the law looks like in practice: when a decree moves a rate or a cap, the calculators move with it, and every page footnotes the legal basis behind each figure.
Frequently asked questions
What changed in Vietnam's payroll rules on 1 July 2026?
From 1 July 2026, Decree 161/2026/ND-CP raised the reference level to 2,530,000 VND a month, lifting the social and health insurance contribution cap to 50,600,000 VND and the maximum formula pension to 37,950,000 VND. Decree 253/2026/ND-CP added personal income tax deductions for in-country medical expenses (up to 23,000,000 VND a year) and education and training expenses (up to 24,000,000 VND a year), claimed at the year-end settlement. All seven HAPRI calculators already apply the new figures.
Are HAPRI's Vietnam tax and benefit calculators free?
Yes. All seven calculators are free to use and require no sign-in or account. They are published by HAPRI at hapri.org/tools-financial.
Do the calculators work on a phone?
Yes. All seven were rebuilt mobile-first in 2026: the result appears in large type at the top of the screen, inputs collapse into a "More filters" drawer, and each slider sits on its own full-width row.
Can I calculate Vietnam personal income tax for foreigners and non-residents?
Yes. The Personal Income Tax calculator covers both tax residents and non-residents, including dependent allowances and the regional minimum wage, under PIT Law 109/2025/QH15.
How is a Vietnamese pension calculated in 2026?
A monthly pension is calculated as a replacement rate, a percentage of your average contribution salary that rises with the number of years you have contributed, up to a cap of 75%, with gender-specific thresholds. HAPRI's pension calculator applies the Law on Social Insurance (Law 41/2024/QH15).
Is there a free Vietnam salary calculator?
Yes. HAPRI's gross-to-net and net-to-gross tools are free Vietnam salary calculators: gross-to-net shows the net pay from a gross figure, and net-to-gross works backwards from a target take-home. Both apply PIT Law 109/2025/QH15 and the Law on Social Insurance 41/2024/QH15.
How do I convert a gross salary to a net salary in Vietnam?
Net salary is gross salary minus compulsory social, health and unemployment insurance and personal income tax. HAPRI's gross-to-net calculator itemizes each deduction so you can see exactly what reaches your account; a net-to-gross tool works the calculation in reverse.
Is a 13th-month or Tết bonus taxed in Vietnam?
Yes. A 13th-month salary or Tết (Lunar New Year) bonus is treated as taxable employment income under the Personal Income Tax Law (Law 109/2025/QH15). The bonus calculator shows how much tax applies and what you keep.
Are the calculators available in Vietnamese?
Yes. Every calculator is fully bilingual and can be switched between English and Vietnamese; the Vietnamese versions are served under hapri.org/vi.
Why HAPRI builds these
HAPRI, the Health and Agricultural Policy Research Institute, based in Ho Chi Minh City, works to make economic and social policy legible to the people it affects. A law that changes how millions of pay-slips are calculated only does its job if people can see what it means for them. These calculators turn the 2026 legal framework into a number you can act on. It shows what to expect in your bank account, what a bonus is really worth, and what a career of contributions adds up to at retirement.
They will keep pace with the law: as rates, caps and minimum wages are updated, the tools update with them.
