Vietnam has about 35 million people aged 20-45 — the first generation to have "disposable income" thanks to an average GDP exceeding 4,000 USD and a middle class growing by 10% each year. However, having disposable income does not mean knowing how to allocate it.

The current personal finance tool market is fragmented: stock apps only talk about stocks, savings apps only talk about interest rates, crypto apps only talk about coins. No one asks the overarching question: how much do you have, and where should you put it? The Asset Tower answers that question with a comprehensive personal finance management platform — a website, a mobile app, and an AI assistant — centered around a 4-tier asset allocation framework designed specifically for the context of Vietnam.

The Asset Tower — free personal asset management with 50+ calculators to help you make financial decisions based on data rather than intuition.

The asset tower includes:

🥇 Gold/Silver Management
Input SJC, 9999 Rings → app automatically fetches real-time prices → know instantly how much profit or loss there is. No need for Excel, no need to write it down.

💰 Savings Book
Input principal + interest rate + term → app automatically calculates daily accumulated interest. It will notify you when it's nearing maturity. Save with 3 banks and still have everything in one place.

📊 Total Asset Dashboard
Gold + Savings = 1 figure. Open the app and know exactly how much you have.

And it doesn't stop here — we are building more features for Stocks, Crypto, Real Estate, ETF Funds... over 50 types of assets. The goal is for everyone to build their personal Asset Tower on their phone 🏛️

🔢 50+ CALCULATORS DIVIDED INTO 8 GROUPS

💰 SALARY & TAX CALCULATORS
• Calculate Gross to Net salary, Net to Gross
• Personal income tax (PIT) according to progressive tax table
• Calculate freelancer salary, contractor tax
• Compare salary offers between companies
• Automatically calculate social insurance, health insurance, unemployment insurance

🔥 FIRE & RETIREMENT
• Calculate FIRE number — how much money is needed to retire early
• Coast FIRE, Barista FIRE, Lean FIRE
• Calculate social security pension
• Simulate retirement withdrawals based on the 4% rule

📈 INVESTMENT & SAVINGS
• Compound interest — the power of time
• DCA (Dollar Cost Averaging) — periodic investment
• Calculate investment return (ROI)
• Compare savings between banks

🏠 REAL ESTATE & LOANS
• Calculate home loan — monthly installments
• Buy or rent a house — which is more beneficial?
• Home affordability
• Calculate interest on decreasing balance loans

🛡️ EMERGENCY FUND & INSURANCE
• Calculate how much emergency fund is needed
• Analyze life insurance needs
• Calculate the cost of raising a child until 18 years old

📊 ASSET ALLOCATION
• Asset tower — tiered allocation model
• Calculate portfolio ratio
• Evaluate financial health

💹 REAL-TIME GOLD & SILVER PRICES
• Track 15+ types of gold (SJC, DOJI, PNJ, Phú Quý...)
• Manage gold portfolio — automatically calculate profit/loss
• Price charts by day, week, month

🤖 FINANCIAL AI ASSISTANT
• Financial Q&A 100% in Vietnamese
• Personalized suggestions based on your financial situation
• Available 24/7

✨ WHY CHOOSE THE ASSET TOWER?

✅ Completely free — no ads
✅ 100% in Vietnamese — formulas according to Vietnamese law
✅ Updated tax rates, social insurance, and the latest regional minimum wages
✅ No registration required — use it immediately
✅ Data stored on the device — absolute security
✅ Beautiful, easy-to-use interface

Whether you're a student just starting out, a freelancer, or someone with a family — the Asset Tower helps you grasp your personal financial picture in just a few minutes.
Completely free, no ads