BHXH One-Time Withdrawal Calculator
When you have paid into Vietnam's compulsory social insurance (BHXH) and then stop — typically because you are leaving the country or ending your Vietnam contract — you may be able to withdraw your contributions as a one-time lump sum instead of keeping them toward a future pension. For foreign employees who are relocating, this is often the practical way to close out a Vietnam social-insurance record, and the first question is simple: how much will the payout be?
The amount is based on your average monthly insurance salary — the salary your BHXH was calculated on, averaged over your contribution history — multiplied by a number of months that depends on when you contributed. Each year contributed before 2014 counts as 1.5 months of that average salary; each year from 2014 onward counts as 2 months. For an expat with an average insurance salary of 30.000.000 VND and 5 full years all from 2014, that is 5 × 2 = 10 months, or roughly 300.000.000 VND.
The calculator above lets you enter your average insurance salary and your years contributed in each period, then returns the lump sum and how much each period contributes. One caveat governs everything here: Vietnam's 2024 Social Insurance Law (effective 1 July 2025) tightened who is eligible to take a one-time withdrawal, and the rules keep evolving. Treat the figure as an illustrative estimate, and confirm both your eligibility and your actual average salary with Vietnam Social Security before relying on it.
How the calculator computes a one-time BHXH payout
The core formula
The lump sum is your average monthly insurance salary multiplied by the total months credited across the two periods:
Payout = average salary × (1.5 × years before 2014 + 2 × years from 2014)
| Symbol | Meaning |
|---|---|
| Average salary | Average monthly salary your BHXH was paid on (default 30.000.000 VND) |
| Years before 2014 | Years contributed up to end-2013, credited at 1.5 months each |
| Years from 2014 | Years contributed from 2014 onward, credited at 2 months each |
| Total months | The two parts added together (5 × 2 = 10 months in the example) |
Rounding partial years
Contribution time is rarely a whole number of years. The rounding convention applied to the leftover months in each period is:
- 6 or more leftover months rounds up to a full year.
- Fewer than 6 leftover months counts as half a year (0.5).
So 4 years and 8 months from 2014 rounds to 5 years, while 4 years and 3 months counts as 4.5 years. The calculator lets you type the years directly — including decimals like 4.5 — so you can apply this rule yourself and reconcile every number it shows.
Why the 2014 split exists
The 1.5-months-per-year credit for the pre-2014 period is lower than the 2-months-per-year credit from 2014 on. This is how the policy distinguishes older contributions from newer ones. As a foreign employee who started working in Vietnam recently, your years are likely all in the post-2014 bucket, so your blended credit sits at the full 2 months per year.
What the model leaves out
The tool applies the standard formula above and does not apply the salary-indexation factor (which adjusts past contributed wages for inflation year by year), does not handle special cases, and does not check whether you are eligible to withdraw. The average salary you enter should already be the averaged figure from your contribution record. Because the 2024 law changed eligibility, read the output as a reference estimate, not a guaranteed amount — the official figure is determined by Vietnam Social Security.
Worked example: 30.000.000 VND average salary, 5 years all from 2014
Illustrative assumptions: an average monthly insurance salary of 30.000.000 VND, 5 full years of contributions all from 2014 onward (a typical expat case), whole years, no salary-indexation factor applied.
| Period | Years | Credit (months/year) | Months credited | Amount |
|---|---|---|---|---|
| Before 2014 | 0 | 1.5 | 0 | 0 |
| From 2014 | 5 | 2 | 10 | 300.000.000 |
| Total | 5 | 10 | 300.000.000 |
Three things stand out.
- The lump sum is 300.000.000 VND, equal to 10 months of the average insurance salary. With no pre-2014 years, every year is credited at the full 2 months.
- The blended credit is exactly 2 months per contribution year here, because the whole record sits in the post-2014 period — the higher of the two rates.
- The split between periods drives the result. If 1 of those years had fallen before 2014, it would be credited at 1.5 months instead of 2, lowering the total by half a month of salary (15.000.000 VND) for that year.
Enter your own average insurance salary and years from your BHXH record (use decimals like 4.5 if you have leftover months) for a closer estimate. Because the 2024 Social Insurance Law changed who can take a one-time withdrawal, check your eligibility with Vietnam Social Security before filing. You can also use FiMo's Social Insurance and Pension calculators to compare withdrawing now against keeping the record toward a pension.
Frequently asked questions
How is a one-time BHXH withdrawal calculated?
The lump sum equals your average monthly insurance salary × total months credited, where each year contributed before 2014 counts as 1.5 months and each year from 2014 onward counts as 2 months. Worked example: an average salary of 30.000.000 VND with 5 years all from 2014 gives 5 × 2 = 10 months, or about 300.000.000 VND.
Can foreigners withdraw BHXH when leaving Vietnam?
If you paid compulsory BHXH while working in Vietnam, leaving the country has historically been one of the grounds for taking a one-time withdrawal of your contributions in VND. However, the 2024 Social Insurance Law (effective 1 July 2025) tightened the eligibility rules, so confirm your situation with Vietnam Social Security before assuming you qualify. This calculator estimates the amount using the standard formula — it does not determine eligibility.
Why do years before 2014 count for fewer months?
The policy credits contributions differently by period: each year up to the end of 2013 is worth 1.5 months of your average salary, while each year from 2014 onward is worth 2 months. Two people with the same total years but a different split between the periods receive different amounts. Foreign employees who started recently usually have all their years in the post-2014 bucket, so their blended credit is the full 2 months per year.
How are partial contribution years rounded?
The leftover months in each period are rounded as follows: 6 or more months rounds up to a full year, and fewer than 6 months counts as half a year (0.5). For example, 4 years and 8 months becomes 5 years, while 4 years and 3 months becomes 4.5 years. The calculator accepts decimal years (such as 4.5), so you can apply this rule and match how Vietnam Social Security counts your time.
What is the average insurance salary I should enter?
It is the average of the monthly salaries your BHXH contributions were calculated on, across your whole contribution history — not your most recent gross pay. Your contribution record (sổ BHXH) is the source of truth, and the official figure applies a salary-indexation factor that adjusts past wages for inflation. This tool does not apply that indexation, so enter your already-averaged figure and treat the result as an estimate to sanity-check the official calculation.
Should I withdraw BHXH now or keep it toward a pension?
That is a personal trade-off with no single right answer. Withdrawing gives you cash now (for example 300.000.000 VND in the scenario above) but forfeits the contribution time and any future pension or retiree health-insurance entitlement it could build. If you are permanently leaving Vietnam, a lump sum often makes sense; if you may return or value the long-term safety net, keeping the record can be worth more. Compare with FiMo's Pension calculator, and remember the figures here are illustrative estimates only.