Vietnam Salary Calculator
Gross to net pay in Vietnam under the 2026 rules: five tax brackets, new deductions, insurance caps.
Your salary is the most sensitive number on this site, and it never leaves this page: every calculation runs in your browser, nothing is uploaded, and a shareable link is only created if you explicitly click to copy one.
The 2026 tax year rewrote how a Vietnamese payslip is computed, which is exactly when an outdated salary calculator becomes dangerous. Law 109/2025/QH15 replaced the old seven-bracket progressive table with five brackets running from 5% to 35%, and Resolution 110/2025/UBTVQH15 raised the family deductions to 15,500,000 ₫ for the taxpayer plus 6,200,000 ₫ per registered dependent — both applying from tax period 2026, so January 2026 withholding already uses them. This calculator converts gross to net, or net back to gross, entirely under the new rules.
More about Vietnam Salary Calculator
It also models the trap most tools skip: the social and health insurance base is capped at twenty times the reference level, and that level changed on 1 July 2026 — 2,340,000 ₫ before, 2,530,000 ₫ after — so the cap is 46,800,000 ₫ in the first half of the year and 50,600,000 ₫ in the second. A toggle picks the half, defaulting to the current one. Unemployment insurance is capped separately at twenty times the regional minimum wage, which is why the region selector exists. Every result ships with its line-by-line breakdown and the full list of assumptions, because a net figure without them is not a number you can budget against.
The figures are monthly withholding estimates for a resident employee on a labor contract of three months or more. They were last verified against the published instruments on 2 September 2026, and the page states so next to every result; when a rule changes, the constants and the verification date change with it.
- Converts gross to net and net to gross under the five-bracket table that applies from tax period 2026.
- Applies the new deductions: 15,500,000 ₫ personal and 6,200,000 ₫ per registered dependent.
- Handles the mid-2026 insurance-cap change with a Jan–Jun / Jul–Dec toggle that defaults to the current half.
- Caps unemployment insurance at twenty times the minimum wage of your selected region.
- Accepts a separate insurance base when your contract pays contributions on less than the full gross.
- Shows the tax bracket by bracket and each insurance line with its base and cap.
- Expands to the employer side: the 17.5% + 3% + 1% contributions and the total cost of employing you.
How to use it
- 1Choose the direction: from gross down to net, or from a target net back up to gross.
- 2Enter the monthly salary in dong, and the number of dependents registered with the tax authority.
- 3Pick your minimum-wage region and, if the month is in the other half of 2026, flip the cap-period toggle.
- 4If your contract pays insurance on a different base than the gross salary, enter that base; otherwise leave it empty.
- 5Read the net and gross figures, then check the breakdown and the assumptions underneath before budgeting on them.
Questions
What is the difference between gross and net salary?
Gross is the salary written in your contract before anything is withheld; net is what reaches your account after the employee insurance contributions (8% social, 1.5% health, 1% unemployment) and personal income tax. Employers in Vietnam quote either one, which is why this tool converts in both directions.
Why does this differ from VietnamWorks or other calculators?
Mostly the insurance cap: the reference level changed on 1 July 2026, and some tools apply the new 2,530,000 ₫ level to the whole year, overstating insurance for first-half salaries between 46.8 and 50.6 million ₫. This page follows the law — 46,800,000 ₫ for January–June and 50,600,000 ₫ for July–December — and rounding conventions can still differ by a few dong.
What changed for the 2026 tax year?
Three things at once: the progressive table went from seven brackets to five (Law 109/2025/QH15), the deductions rose to 15,500,000 ₫ personal plus 6,200,000 ₫ per dependent (Resolution 110/2025), and regional minimum wages rose about 7% (Decree 293/2025). All of it applies from tax period 2026, so a calculator still using the 11 million ₫ deduction is a year out of date.
My insurance base is lower than my gross salary — is that handled?
Yes — enter that base in the optional field and the contributions are computed on it, capped as usual, while tax still runs on the full gross minus those contributions. That mirrors contracts where bonuses and welfare allowances sit outside the insurance base but remain taxable.
Is this my exact payslip?
No — it is a monthly withholding estimate for a resident employee on a contract of three months or more, and the assumptions beside the result list what is not modelled: overtime exemptions, meal and phone allowances, 13th-month timing, probation withholding and non-resident rates. Your annual finalization can also shift the final figure.