Máy tính rút BHXH một lần Việt Nam (Luật 41/2024) Vietnam Lump-Sum Social Insurance Withdrawal Calculator

HAPRI · Lump-Sum Social Insurance Withdrawal Calculator (Vietnam, 2024 Law)
Full screenToàn màn hình
Avg monthly contribution salary 10.0M VND
Years pre-2014 i 5 yr
Years 2014+ i 10 yr
Extra months i
0 mo
Gender
Lump-sum Social Insurance withdrawal vs pension Lump-sum payment if you withdraw from social insurance now, decomposed into pre-2014 (1.5×) and 2014+ (2.0×) portions.
Lump-sum now vs monthly pension if you wait
Both flows are compared from pension-eligibility age onward; the years between now and retirement are not modeled.
Pension uprating i 8%/yr
Lump-sum return i 5%/yr
Lump-sum now vs monthly pension if you wait
Why this matters i

Law 41/2024/QH15 Art. 70 split lump-sum eligibility into two tracks at 2025-07-01. If you began contributing before that date, you keep all six triggers (incl. the 12-month-unemployment route, provided contributions are under 20 years). If you began on or after 2025-07-01, trigger (e) — the routine 12-month-unemployment route — is no longer available; only the hardship triggers (a, b, c, d, f) apply. Choosing the lump sum still forfeits any future pension. The math below is unchanged; what changed is who can claim it.