Accounting & tax
Books typically closed within 7–10 working days, filings on time - a 3M expert signs and stands behind them, visible in real time on your client portal.
The biggest decade of change, compressed into 18 months.
Every Vietnamese business is in scope - and this is only the accounting & tax slice of your back office. We build compliance into the technology once, so you never chase regulations one by one.
Decree 70/2025
E-invoices from cash registers, connected directly to the tax authority. No more “fix it later” - compliance happens in real time.
Social Insurance Law 2024
Mandatory coverage expands to part-timers, household owners and service contracts. Late payment accrues 0.03%/day; evasion can be criminal.
End of lump-sum tax
~5 million household businesses move to self-declaration - for the first time, real books and real invoices are mandatory.
Circular 99 (replacing TT200)
A new chart of accounts - every set of books in Vietnam must convert.
IFRS + new PIT schedule
Listed & state-owned firms adopt IFRS; a new personal income tax schedule means every payroll must be recalculated.
Full-service accounting
3M full-service accounting takes over your books, tax and financial reporting end to end - AI on the Practica platform handles the volume, senior accountants review and sign. You get books typically closed within 7–10 working days, filings submitted on time and a bilingual client portal that shows everything in real time. The package covers posting, e-invoices, VAT / PIT / CIT returns, year-end finalisation and representation before the tax authority - one point of contact instead of an entire accounting department, from ₫1.5m/mo by document volume.
What we do for you
- Receive & digitise documents via Zalo / WhatsApp / email / client portal
- 90%+ automated posting into the Vietnamese chart of accounts (3331 VAT, 3335 PIT, 334 payroll)
- Daily bank and receivables/payables reconciliation
- Prepare & submit VAT, PIT and CIT returns monthly/quarterly
- Social insurance declarations and reconciliation
- Payroll and PIT computed on the 2026 schedule
- Monthly close typically within 7–10 working days, with a 12-step checklist
- Annual financial statements under Circular 99
Pricing by document volume
Indicative fees by document tier; a formal quote follows a free compliance review. Every fee comes with a full VAT invoice.
Get a detailed quoteAccounting for household businesses
From 01/2026 lump-sum tax is abolished, and household businesses must file returns and keep real books. You do not need "accounting software" - you need someone to just get it done, at a fixed fee, over Zalo / WhatsApp. That is 3M. We set up books to the household business regime, file every period and send automatic deadline reminders - you just snap a photo of the invoice and send it via Zalo / WhatsApp, we do the rest, from ₫1.0m/mo.
What we do for you
- Register for declared tax and set up the household's obligations
- Receive documents via Zalo / WhatsApp, digitise and archive them
- Keep a simple, compliant revenue and expense ledger
- Prepare and submit tax filings every period
- Deadline reminders via Zalo / WhatsApp ahead of every due date
- Advice on when it makes sense to convert into a company
Indicative pricing
Fixed fee by household size; quote follows a free review. Full VAT invoices issued.
Get a detailed quoteManagement reporting & cash flow
Compliance books only tell you about the past - but decisions on hiring, inventory and borrowing need a view of the cash ahead. 3M management reporting gives you a monthly P&L, a 13-week cash flow forecast, budget vs actual - and English investor reporting (burn rate, runway) for funds and regional HQs. From ₫1.5m/mo, with numbers ready right after the monthly close, typically within 7–10 working days. Every period ships with executive commentary from an expert - not just a table of numbers, but what they mean and what to do next.
What we do for you
- Monthly management reporting (P&L, cash flow, budget)
- A 13-week cash flow forecast from bank feeds
- Budget vs actual tracking
- English investor reporting (burn rate, runway)
- Dashboards wired straight into the books, no double entry
Indicative pricing
From ₫1.5m/mo; English investor reporting ₫2.0m/mo. VAT invoices issued.
Get a detailed quoteA 4-step process
Connect
Send documents via Zalo / WhatsApp, connect your bank feeds and e-invoices.
The routine gets done
AI reads, classifies and auto-posts into the Vietnamese chart of accounts.
Humans review & sign
A senior accountant reviews exceptions, closes the books and signs the filings.
You see everything
Clean books, submitted filings and bilingual reports appear instantly on the client portal.
Books typically closed within 7–10 working days. Senior accountants sign every filing.
You send documents via Zalo / WhatsApp - AI on the Practica platform reads, classifies and posts them into the Vietnamese chart of accounts; senior accountants review exceptions, close the books, typically within 7–10 working days, and sign the filings. Technology handles the volume; humans apply judgement and take responsibility.
You see everything, in real time
A bilingual client portal shows P&L, cash flow, filing status and deadlines - no waiting for quarter-end, no chasing.
90%+ automated posting from month 3
Bank feeds + rules + AI on the Practica platform post straight into the Vietnamese chart of accounts; accountants only review exceptions.
Proactive deadline alerts
A compliance calendar generates the work before every period and pings you via Zalo / WhatsApp ahead of each deadline - the target is zero penalties.
Transparency commitments
What you pay for is the outcome - and peace of mind.
Clear quotes, no hidden fees
Fixed fees by document tier, agreed before we start.
Full VAT invoices
Every fee comes with a valid VAT invoice.
Data security
Access controls, audit trails, data stored securely.
Multi-channel support
Zalo / WhatsApp, hotline and email - answered within 24 business hours.
Frequently asked questions about full-service accounting
What does full-service accounting include?
The package covers posting, reconciliation, preparing and filing tax returns (VAT, PIT, CIT), social insurance declarations, payroll, monthly close and annual financial statements under Circular 99. A chief accountant signs and represents you before the tax authority.
How much does full-service accounting cost?
Fees are fixed by document tier, from ₫1.5m/mo for the full package and from ₫1.0m/mo for monthly tax filing. You get a formal quote after a free review, and every fee comes with a VAT invoice.
I use MISA today - can I switch to 3M?
Yes. We take in and digitise your existing data, and can batch-post to MISA / QuickBooks when needed. You never start over from scratch.
Do household businesses have to keep books from 2026?
Yes. Once lump-sum tax is abolished from 01/2026, household businesses must declare, self-assess tax and keep real books and invoices.
How much does it cost?
Household business accounting starts from ₫1.0m/mo, fixed fee, all over Zalo / WhatsApp, with full VAT invoices.
Do I need to install any software?
No. You just send documents via Zalo / WhatsApp; we handle the rest.
How is management reporting different from financial statements?
Financial statements serve compliance (the past); management reporting serves running the business - future cash flow, budget vs actual, and the metrics you actually need.
How much does it cost?
Management reporting is ₫1.5m/mo; English investor reporting is ₫2.0m/mo; or the full SME Advanced bundle is ₫3.5m/mo.
Do you forecast cash flow?
Yes. We deliver a 13-week cash flow forecast built from bank feeds, so you see liquidity risk before it arrives.
Get a fixed-fee quote
Leave your details - we reply within 24 business hours, including a free 45-minute compliance review.