SOCIAL INSURANCE · 6 MIN READ
How to calculate Vietnam's social-insurance lump sum in 2026
The lump sum depends on both contribution time and the adjusted average monthly insured salary. It should not be estimated from the final salary alone.
The two-period formula
Under Clause 3, Article 70 of the 2024 Social Insurance Law, each contribution year before 2014 is worth 1.5 months of the average insured salary, while each year from 2014 onward is worth 2 months.
Where total contribution time is under one year, the benefit equals the amount contributed but cannot exceed 2 months of the average insured salary.
Adjust salaries before averaging
Each month's insured salary is multiplied by the adjustment factor for its year before the average is calculated. A claim determined in 2026 must use the factors published for 2026.
Two people with the same contribution duration can therefore receive different estimates where their salary histories fall in different years.
Partial months and reconciliation
Where contribution time spans both sides of 2014, partial months before 2014 are transferred to the period from 2014 for the calculation. Detailed rounding rules must match the claimant's applicable guidance.
Enter each salary period instead of guessing one average. HCMetric's year-by-year table shows months, factors and adjusted salaries for review.