Unemployment, BHXH Lump Sum & Severance Calculator (VN)

Compute Vietnamese unemployment benefit, one-time social-insurance withdrawal with 2026 coefficients, severance, job-loss and maternity benefits.

Result

Press “Run” to see the result.

One endpoint, five calculations chosen with type. unemployment: 60% of the average contribution wage of the last 6 months, capped at 5 × the regional minimum wage, for 3 months (12 to under 36 months of contributions) plus one month per further 12 months, up to 12 (Luật Việc làm 74/2025/QH15). The region comes from region or from a ward name.

lump_sum (BHXH một lần): send the contribution periods with their wages; each month is adjusted with the coefficients for 2026 (Công văn 340/BHXH-CSXH), then 1.5 months of average wage per year before 2014 and 2 months per year from 2014, with the official rounding of odd months (Luật BHXH 41/2024/QH15 Điều 70). The answer also says whether withdrawal is possible under the post-1/7/2025 rules.

severance and job_loss follow Bộ luật Lao động 2019 Điều 46–47 (time covered by unemployment insurance excluded), and maternity returns the lump sum (2 × the reference level, 2,530,000 đ from 1/7/2026), the mother's 6-month leave pay and the father's leave days.

Use this in your code

curl -X POST "https://apibox.io.vn/v1/vn-insurance-benefits" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"type":"unemployment","salary":10000000,"contribution_months":40,"region":"I"}'

const res = await fetch('https://apibox.io.vn/v1/vn-insurance-benefits', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    "type": "unemployment",
    "salary": 10000000,
    "contribution_months": 40,
    "region": "I"
  }),
});
const data = await res.json();
console.log(data);

import requests

res = requests.post(
    "https://apibox.io.vn/v1/vn-insurance-benefits",
    headers={"Authorization": "Bearer YOUR_API_KEY"},
    json={"type": "unemployment", "salary": 10000000, "contribution_months": 40, "region": "I"},
    timeout=30,
)
print(res.json())

<?php
$ch = curl_init('https://apibox.io.vn/v1/vn-insurance-benefits');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_CUSTOMREQUEST => 'POST',
    CURLOPT_HTTPHEADER => ['Authorization: Bearer YOUR_API_KEY', 'Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"type":"unemployment","salary":10000000,"contribution_months":40,"region":"I"}',
]);
$response = curl_exec($ch);
print_r(json_decode($response, true));

API documentation → Get a free API key

FAQ

Which coefficients are used for BHXH một lần?

The 2026 table of Công văn 340/BHXH-CSXH (5.81 before 1995 down to 1.00 for 2025–2026), applied to every month of each period.

Can everyone still withdraw BHXH một lần?

People who contributed before 1/7/2025 with under 20 years may withdraw after 12 months out of the system; others only in the special cases of Điều 70. The answer states which applies.

How is the unemployment cap found?

5 × the regional minimum wage of the last contribution month (5,310,000 đ in region I in 2026), from region or a ward looked up in the NĐ 293/2025 list.