Free, ad-light calculators for Vietnamese taxes (PIT 2026), salary, social insurance, mortgage, FIRE, and compound interest. For expats working in Vietnam, returnees, and finance professionals advising on VN markets.
The interactive calculators below are in Vietnamese — because the inputs (BHXH base, region levels, dependent count, PIT brackets) are tightly coupled to Vietnamese law and the labels match the legal terminology. Each calculator is explained in English on this page so you understand what to enter. Once you fill in the form on the right side of each embed, the math is the same in any language.
For detailed methodology in English, see the API documentation — every formula is documented there with the law citations.
Convert between Gross and Net salary under Vietnamese law: Personal Income Tax (PIT) Law 109/2025/QH15, mandatory social insurance (BHXH 8% + BHYT 1.5% + BHTN 1%), and dependent deductions (15.5M VND personal + 6.2M VND per dependent).
Monthly payment + total interest for VND home loans using French amortization (declining balance — standard at all Vietnamese banks). Adjust principal, annual rate, and term to compare scenarios.
Years to Financial Independence based on the 4% safe withdrawal rule (Trinity Study). VN-specific: real return assumptions calibrated to local inflation (~3.3% YoY) and VN-Index historical CAGR.
The featured 3 calculators above are the most commonly needed by English speakers. The full Vietnamese site has 19 calculators, 11 long-form articles, market data (forex, gold, VN-Index, CPI, bank interest rates), and a free public API.
About vi.money: built and maintained by VIMONEY MEDIA CORP — an independent personal finance product, not a media company. We don't take affiliate commissions from banks; the calculations are agnostic.
All calculation methodologies, formula citations, and update logs are documented at vi.money/phuong-phap-luan (in Vietnamese — but every formula is also visible in the public API docs in English).