Household Budget
🇻🇳 VND · official spending data

The Vietnam household budget

Based on average net household income ~₫15,000,000/month (GSO 2023) Adjust any category below, then export to PDF or Excel — free, no sign-up.

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Vietnam household budget breakdown

The average Vietnam household takes home approximately 15,000,000 VND per month after taxes. Housing is typically the largest expense, accounting for around 20% of net income. The top spending categories are food & groceries (25%), housing (20%) and transport (13%). Financial guidelines recommend saving at least 5% of monthly income to build an emergency fund and long-term financial security. Use this free budget template to enter your own income, adjust each category to match your lifestyle, and export your personalised plan to PDF or Excel.

Based on GSO (General Statistics Office) Household Living Standards Survey (VHLSS). Vietnam has seen rapid income growth; figures reflect the urban middle class.

Frequently asked questions

What is a typical monthly household budget in Vietnam?▾
Based on official spending data, a typical household in Vietnam spends around ₫ 15,000,000 (≈ $573 USD)/month. The largest expenses are food & groceries, housing, transport. Use the budget tool above to personalise these figures to your income.
How much of my income should I spend on housing in Vietnam?▾
The guideline for Vietnam is to spend around 20% of your monthly net income on housing costs (rent or mortgage, property taxes, and home insurance). On an income of ₫ 15,000,000 (≈ $573 USD)/month, that works out to about ₫ 3,000,000 (≈ $115 USD)/month.
What is a realistic grocery budget in Vietnam?▾
A typical household in Vietnam spends around 25% of monthly income on food and groceries — roughly ₫ 3,750,000 (≈ $143 USD)/month based on average incomes. This covers supermarket shopping but not dining out, which is tracked separately.
How much does transport cost per month in Vietnam?▾
Transport typically accounts for 13% of a household budget in Vietnam, or about ₫ 1,950,000 (≈ $75 USD)/month. This includes car costs, public transport, and fuel.
How much should I save each month in Vietnam?▾
Financial guidelines for Vietnam recommend saving 5% of your net monthly income — about ₫ 750,000 (≈ $29 USD)/month at the average income level. This covers emergency funds, retirement contributions, and investments.
Is Vietnam expensive to live in?▾
Vietnam has an average net household income of ₫ 15,000,000 (≈ $573 USD)/month. The biggest cost drivers are food & groceries and housing. Use the budget builder above to see a full breakdown and compare it with other countries.