Policy Modeling Use Case

Vietnam Pension 2025 Impact Analysis

A real-time simulation of the Law on Social Insurance 2024. Calculate estimated pension rates and benefits based on the new 15-year minimum requirement.

Vietnam Social Security Pension (2025)

Estimate your pension based on the new 2024 Social Insurance Law (effective July 2025).

Model Driver

30 yrs

Contribution History

10 yrs
15.000.000 
Calculating...

Pension Rate

0.0%

Monthly Pension

0

Lump Sum Allowance

0

Projected 20y Value

0

Pension Rate Composition

Retirement Insight
Female employees need 15 years minimum to qualify. You have 10 years.You need 5 more years to be eligible.
* Calculations based on 2025 regulations. Assumes average salary is adjusted for inflation (CPI).

1New 15-Year Rule

From July 1, 2025, the minimum contribution period reduces from 20 to 15 years, allowing earlier access to benefits (45% rate for females, 40% for males).

2Rate Accrual

Females gain +2% per extra year. Males gain +1% for years 16-20, then +2%. Maximum cap remains at 75%.

3Costvela Logic

This calculator runs on the same engine as our enterprise finance models, demonstrating how complex statutory logic can be modeled safely and transparently.

Under the Hood

Transparent Logic.
Zero Black Boxes.

The simulation above isn't a hardcoded calculator. It's running on Costvela DSL, our proprietary financial modeling language.

Human Readable

Logic is written in clear, mathematical syntax that any analyst can audit.

Audit-Proof

Every calculation step is traceable. No hidden cells or circular references.

vietnam-pension.cvl
# --- VIETNAM PENSION CALCULATOR (2025) ---

# Inputs
CurrentAge: Input("CurrentAge")             # Current Age of the user
Gender: Input("Gender")                     # 0 = Male, 1 = Female
YearsContributed: Input("YearsContributed") # Total years of SS contribution
AvgSalary: Input("AvgSalary")               # Average Monthly Salary for SS calculation (VND)
RetirementAgeMale: Const(62)                # Target by 2028
RetirementAgeFemale: Const(60)              # Target by 2035

# 1. Eligibility Check & Retirement Gap
IsMale = IF(Gender = 0, 1, 0)
IsFemale = IF(Gender = 1, 1, 0)

TargetRetirementAge = IF(IsMale, RetirementAgeMale, RetirementAgeFemale)
YearsToRetirement = TargetRetirementAge - CurrentAge

# 2. Pension Rate Calculation (New 2025 Law)
# Base Condition: 15 Years Minimum
# Male: 15y = 40%
# Female: 15y = 45%

BaseRate = IF(IsMale, 0.40, 0.45)

# Extra Years Calculation
ExtraYears = YearsContributed - 15

# Male Logic:
# - Years 16-20: +1% per year
# - Years >20:   +2% per year
MaleExtraRate = IF(ExtraYears <= 0, 0,
    (IF(ExtraYears > 5, 5, ExtraYears) * 0.01) + 
    (IF(ExtraYears > 5, ExtraYears - 5, 0) * 0.02)
)

# Female Logic:
# - Years >15:   +2% per year
FemaleExtraRate = IF(ExtraYears <= 0, 0, ExtraYears * 0.02)

# Combined Rate
CalculatedRateBase = BaseRate + IF(IsMale, MaleExtraRate, FemaleExtraRate)

# Cap at 75%
PensionRate = IF(CalculatedRateBase > 0.75, 0.75, CalculatedRateBase)
PensionRateDisplay = PensionRate * 100

# 3. Financial Benefits
MonthlyPension = AvgSalary * PensionRate

# Lump Sum Allowance (if rate > 75%)
# 0.5 * AvgSalary for each year over max rate
ExcessYears = IF(CalculatedRateBase > 0.75, (CalculatedRateBase - 0.75) / 0.02, 0) 
# Note: Approximation for excess years based on 2% rule for simplicity. 
# For Males > 35y, Females > 30y usually.

LumpSumAllowance = ExcessYears * 0.5 * AvgSalary

# 4. Total Expected Value (Simple Projection for 20 years post-retirement)
AnnualPension = MonthlyPension * 12
TotalPensionValue20Y = AnnualPension * 20