How to calculate monthly pension

Monthly pension level in 2026 according to the Law on Social Insurance. Graphics: Phuong Thao

Monthly pension level according to the new calculation formula applied from 2026

|

From January 1, 2026, the regulation on how to calculate monthly pensions with many new points will officially be applied according to the Law on Social Insurance 2024.

Monthly pension level in 2026 according to the Law on Social Insurance 2024. Photo: Social Insurance

Monthly pension level in 2026 according to the Law on Social Insurance

|

In 2026, the method of calculating monthly pension benefits will be applied according to the provisions of Article 66 of the Law on Social Insurance 2024 with the principle of new calculation.

Cases where teachers retire early will not have their pensions deducted. Photo: Phong Linh.

Cases where teachers who retire early will not have their pensions deducted

|

Teachers who retire early will not have their pension rate deducted when meeting what conditions in the 2025 Teachers Law?

From July 2025, the monthly pension of employees is calculated by multiplying the monthly pension rate by the average salary used as the basis for social insurance payment prescribed in Article 72 of the Law on Social Insurance. Photo: Nam Duong

Detailed regulations on pension levels from July 2025

|

A reader with email danghaixxx@gmail.com asked: What are the regulations on pension levels from July 2025?

When determining the pension conditions for cases where the employee's application does not specify the date and month of birth but only the year of birth, the January 1st of the year of birth will be used as the basis for determining the employee's age. Photo: Nam Duong

Detailed instructions on pension conditions according to the Social Insurance Law 2024

|

A reader with email hoancaxxx@gmail.com asked: What are the regulations on pension conditions under the Social Insurance Law 2024?

In case the employee is eligible for both pension and one-time social insurance and settles abroad, he/she has the right to receive a monthly pension in Vietnam. Photo: Duc Long

Going abroad to settle down but still receive a monthly pension in Vietnam

|

Reader levuxxx@gmail.com asked: I am eligible for pension, but if I settle abroad, will I be able to receive a monthly pension in Vietnam?

Employees who have paid compulsory social insurance for 20 years or more and have a working capacity reduction of 61% or more will receive a pension with a lower level when they have worked for 15 years or more in a particularly arduous, toxic, or dangerous job or job. Photo: Nam Duong

Conditions for receiving pensions when reducing working capacity from July 2025

|

A reader with email thanhphongxxx@gmail.com asked: What are the conditions for receiving pensions when reducing working capacity according to the new regulations?

The pension for female workers is equal to 45% of the average salary used as the basis for social insurance contributions corresponding to 15 years of social insurance contributions, then for each additional year of contributions, an additional 2% is calculated, with a maximum of 75%. Photo: Nam Duong

How to calculate monthly pension from July 2025

|

A reader with email doquyenxxx@gmail.com asked: In July 2025, I will start retiring. How is the monthly pension calculation regulated?

Within 20 days before the employee is eligible for pension, the employer shall submit the application to the social insurance agency according to regulations. Photo: Nam Duong

Pension settlement period from July 2025

|

A reader with email touyenxxx@gmail.com asked: What is the pension settlement period according to the new regulations?

Elderly people happily receive May pensions before April 30 holiday

|

Many elderly people clearly expressed their joy, gratitude as well as planned a holiday after receiving their May pension in April 2025.

The monthly pension for eligible subjects specified in Article 64 of this Law is calculated as follows: For female employees, it is 45% of the average salary used as the basis for social insurance contributions specified in Article 72 of this Law corresponding to 15 years of social insurance contributions, then for each additional year of contributions, an additional 2% is calculated, with a maximum of 75%. Photo: Nam Duong

How to calculate monthly pension according to new regulations

|

Reader with email dongvanxxx@gmail.com asked: How to calculate monthly pension according to the provisions of the Social Insurance Law 2024?