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Domain > maytinhtaichinh.net
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AlienVault OTX
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DNS Resolutions
Date
IP Address
2016-02-23
198.143.189.211
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ClassC
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2026-02-24
172.67.137.182
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ClassC
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Port 80
HTTP/1.1 200 OKDate: Tue, 24 Feb 2026 18:57:38 GMTContent-Type: text/html; charsetutf-8Transfer-Encoding: chunkedConnection: keep-aliveServer: cloudflareNel: {report_to:cf-nel,success_fraction:0.0,max_age:604800}X-DNS-Prefetch-Control: onStrict-Transport-Security: max-age63072000; includeSubDomains; preloadX-Frame-Options: SAMEORIGINX-Frame-Options: SAMEORIGINX-Content-Type-Options: nosniffX-Content-Type-Options: nosniffX-XSS-Protection: 1; modeblockX-XSS-Protection: 1; modeblockReferrer-Policy: origin-when-cross-originReferrer-Policy: strict-origin-when-cross-originPermissions-Policy: camera(), microphone(), geolocation()x-middleware-rewrite: /cong-cuVary: rsc, next-router-state-tree, next-router-prefetch, next-router-segment-prefetch, Accept-Encodinglink: /_next/static/chunks/6515f20b42a93328.css>; relpreload; asstyle, /_next/static/chunks/30795c6b8627ba8b.css>; relpreload; asstyleX-Powered-By: Next.jsCache-Control: private, no-cache, no-store, max-age0, must-revalidateReport-To: {group:cf-nel,max_age:604800,endpoints:{url:https://a.nel.cloudflare.com/report/v4?sb7zzDpHhZjBQy8Iy%2Fw8CtOV9H5w5d40b2ncRT6ryOjrwPDfnAxpi8uuYga8Xl5ITdd7%2FRqb8oxyUbIzz9B4YpjUdkDdaja6TtRHUddnU8cBM}}cf-cache-status: DYNAMICCF-RAY: 9d3130952dfd8e63-PDXalt-svc: h3:443; ma86400 !DOCTYPE html>html langvi>head>meta charSetutf-8/>meta nameviewport contentwidthdevice-width, initial-scale1/>link relstylesheet href/_next/static/chunks/6515f20b42a93328.css data-precedencenext/>link relstylesheet href/_next/static/chunks/30795c6b8627ba8b.css data-precedencenext/>link relpreload asscript fetchPrioritylow href/_next/static/chunks/16c50455f1482ec9.js/>script src/_next/static/chunks/ca0c7305387688b5.js async>/script>script src/_next/static/chunks/961311cbebbffb6d.js async>/script>script src/_next/static/chunks/0d3984ddb96955a9.js async>/script>script src/_next/static/chunks/0a6a89d08bbd0da8.js async>/script>script src/_next/static/chunks/turbopack-9a87b6767024ed98.js async>/script>script src/_next/static/chunks/52817bd3fa92756f.js async>/script>script src/_next/static/chunks/d96012bcfc98706a.js async>/script>script src/_next/static/chunks/73e3194f06db260e.js async>/script>script src/_next/static/chunks/0ea1667d520634dd.js async>/script>script src/_next/static/chunks/5bb94948cee4b374.js async>/script>script src/_next/static/chunks/aaaf293d6fa81887.js async>/script>link relpreload hrefhttps://www.googletagmanager.com/gtag/js?idG-P53PZFSRKF asscript/>link relpreconnect hrefhttps://www.googletagmanager.com/>link reldns-prefetch hrefhttps://www.google-analytics.com/>link reldns-prefetch hrefhttps://fonts.googleapis.com/>link reldns-prefetch hrefhttps://fonts.gstatic.com/>link relicon href/favicon-calculator.svg typeimage/svg+xml/>link relicon href/favicon-32x32.png sizes32x32 typeimage/png/>link relicon href/favicon-16x16.png sizes16x16 typeimage/png/>link relicon href/favicon-192x192.png sizes192x192 typeimage/png/>link relapple-touch-icon href/apple-touch-icon.png sizes180x180/>link relshortcut icon href/favicon-32x32.png/>title>Máy Tính Tài Chính Miễn Phí | Tính Lương, FIRE, Đầu Tư | Tháp Tài Sản VN/title>meta namedescription content50+ máy tính tài chính MIỄN PHÍ: tính lương gross-net, FIRE nghỉ hưu sớm, lãi kép, vay mua nhà, đầu tư DCA, giá vàng, tỷ giá. 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dark:placeholder:text-slate-400 shadow-lg aria-labelTìm kiếm công cụ tài chính value/>/div>/div>/div>/section>div classflex flex-col lg:flex-row container mx-auto max-w-7xl>aside classhidden lg:block lg:w-72 flex-shrink-0 px-6 py-4 bg-white/50 dark:bg-slate-800/50 backdrop-blur-sm border-r border-gray-200 dark:border-slate-700 sticky top-0 h-screen overflow-y-auto>h2 classtext-sm font-bold text-gray-900 dark:text-white mb-6 px-2 flex items-center gap-2>div classw-1 h-6 bg-gradient-to-b from-blue-600 to-purple-600 rounded-full>/div>Danh Mục Công Cụ/h2>nav classspace-y-2>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all bg-gradient-to-r from-blue-600 to-purple-600 text-white shadow-lg transform scale-105>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-book-open w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM12 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flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>8/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleVay - Nhà - Xe>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>Vay - Nhà - Xe/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>13/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm 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danh mục/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-4 h-4 ml-auto aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classflex items-center justify-between gap-3 flex-wrap>div classflex items-center gap-2 flex-wrap>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gradient-to-r from-blue-600 to-purple-600 text-white shadow-md>Tất cả/button>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gray-100 dark:bg-slate-800 text-gray-700 dark:text-slate-200 hover:bg-gray-200 dark:hover:bg-slate-700>Đã ra mắt/button>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gray-100 dark:bg-slate-800 text-gray-700 dark:text-slate-200 hover:bg-gray-200 dark:hover:bg-slate-700>Sắp ra mắt/button>/div>div classflex items-center gap-2>button classp-2 rounded-lg transition-all min-h-48px min-w-48px flex items-center justify-center bg-blue-600 text-white shadow-md titleGrid view aria-labelGrid view>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-grid3x3 lucide-grid-3x3 w-5 h-5 aria-hiddentrue>rect width18 height18 x3 y3 rx2>/rect>path dM3 9h18>/path>path dM3 15h18>/path>path dM9 3v18>/path>path dM15 3v18>/path>/svg>/button>button classp-2 rounded-lg transition-all min-h-48px min-w-48px flex items-center justify-center text-gray-400 dark:text-slate-500 hover:text-gray-600 dark:hover:text-slate-300 hover:bg-gray-100 dark:hover:bg-slate-800 titleList view aria-labelList view>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-list w-5 h-5 aria-hiddentrue>path dM3 5h.01>/path>path dM3 12h.01>/path>path dM3 19h.01>/path>path dM8 5h13>/path>path dM8 12h13>/path>path dM8 19h13>/path>/svg>/button>/div>/div>div classmt-2 hidden md:flex items-center gap-2 flex-wrap>span classtext-xs font-semibold text-gray-600 dark:text-slate-400 mr-1>Vai trò:/span>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-slate-800 text-white dark:bg-slate-100 dark:text-slate-900>Tất cả/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/button>/div>div classmt-3 flex items-center gap-2 flex-wrap rolestatus aria-livepolite aria-atomictrue>p classtext-sm text-gray-600 dark:text-slate-400>Hiển thị span classfont-bold text-blue-600 dark:text-blue-400>56/span> công cụ/p>/div>/div>/div>section classp-4>div classgrid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 xl:grid-cols-4 gap-4 md:gap-6>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-luong-gross-net>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-calculator w-7 h-7 aria-hiddentrue>rect width16 height20 x4 y2 rx2>/rect>line x18 x216 y16 y26>/line>line x116 x216 y114 y218>/line>path dM16 10h.01>/path>path dM12 10h.01>/path>path dM8 10h.01>/path>path dM12 14h.01>/path>path dM8 14h.01>/path>path dM12 18h.01>/path>path dM8 18h.01>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lương Gross ↔ Net (2 Chiều)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Công cụ 2 chiều: Tính NET từ GROSS hoặc tính GROSS từ NET mong muốn. Chính xác ±1₫. Hỗ trợ đàm phán lương hiệu quả với BHXH, BHYT, BHTN và Thuế TNCN theo luật 2026./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/gia-vang>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-amber-500 to-yellow-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-7 h-7 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tra Cứu Giá Vàng Hôm Nay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tra cứu giá vàng SJC, 9999, nhẫn trơn real-time. Chuyển đổi đơn vị, tính lãi/lỗ đầu tư vàng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-dau-tu-dinh-ky-dca>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-cyan-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Đầu Tư Định Kỳ DCA/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Backtest DCA vs Lump Sum với dữ liệu VN-Index. So sánh chiến lược đầu tư định kỳ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/diem-suc-khoe-tai-chinh>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-activity w-7 h-7 aria-hiddentrue>path dM22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Điểm Sức Khỏe Tài Chính/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Đánh giá 8 yếu tố tài chính theo chuẩn CFPB. Nhận điểm 0-100 và lộ trình cải thiện cá nhân hóa./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-fire-nghi-huu-som>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-7 h-7 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>FIRE Calculator/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần để nghỉ hưu sớm (FIRE - Financial Independence, Retire Early) và thời gian đạt được./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/so-sanh-mua-nha-vs-thue-nha>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Mua Nhà vs Thuê Nhà/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>5-year và 10-year comparison. Break-even point khi nên mua vs tiếp tục thuê./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-ty-le-no-an-toan>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-percent w-7 h-7 aria-hiddentrue>line x119 x25 y15 y219>/line>circle cx6.5 cy6.5 r2.5>/circle>circle cx17.5 cy17.5 r2.5>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tỷ Lệ Nợ An Toàn (DTI)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Kiểm tra Debt-to-Income ratio theo chuẩn ngân hàng VN (<40%). Khuyến nghị khả năng vay tối đa./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-quy-du-phong>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Quỹ Dự Phòng Khẩn Cấp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính toán quỹ dự phòng cần thiết (3-6 tháng chi tiêu) và lộ trình tiết kiệm phù hợp./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/chien-luoc-tra-no>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-yellow-500 to-orange-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-zap w-7 h-7 aria-hiddentrue>path dM4 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Chiến Lược Trả Nợ: Snowball vs Avalanche/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Mô phỏng 2 phương pháp trả nợ. Tính tiết kiệm lãi với từng chiến lược./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-tien-vay-mua-xe>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-car w-7 h-7 aria-hiddentrue>path dM19 17h2c.6 0 1-.4 1-1v-3c0-.9-.7-1.7-1.5-1.9C18.7 10.6 16 10 16 10s-1.3-1.4-2.2-2.3c-.5-.4-1.1-.7-1.8-.7H5c-.6 0-1.1.4-1.4.9l-1.4 2.9A3.7 3.7 0 0 0 2 12v4c0 .6.4 1 1 1h2>/path>circle cx7 cy17 r2>/circle>path dM9 17h6>/path>circle cx17 cy17 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiền Vay Mua Xe/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính tiền trả hàng tháng và tổng chi phí sở hữu xe (bao gồm bảo hiểm, xăng, bảo dưỡng)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/currency-calculator>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-dollar-sign w-7 h-7 aria-hiddentrue>line x112 x212 y12 y222>/line>path dM17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tỷ Giá Ngoại Tệ Hôm Nay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tra cứu tỷ giá USD, EUR, GBP, JPY real-time. Chuyển đổi ngoại tệ nhanh chóng và chính xác./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleB%E1%BA%A3o%20Hi%E1%BB%83m%20H%C6%B0u%20Tr%C3%AD&description%C6%AF%E1%BB%9Bc%20t%C3%ADnh%20l%C6%B0%C6%A1ng%20h%C6%B0u%20t%E1%BB%AB%20BHXH%20v%C3%A0%20so%20s%C3%A1nh%20v%E1%BB%9Bi%20qu%E1%BB%B9%20h%C6%B0u%20tr%C3%AD%20t%E1%BB%B1%20nguy%E1%BB%87n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-piggy-bank w-7 h-7 aria-hiddentrue>path dM11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z>/path>path dM16 10h.01>/path>path dM2 8v1a2 2 0 0 0 2 2h1>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Bảo Hiểm Hưu Trí/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Ước tính lương hưu từ BHXH và so sánh với quỹ hưu trí tự nguyện./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleB%E1%BA%A3o%20Hi%E1%BB%83m%20Th%E1%BA%A5t%20Nghi%E1%BB%87p&descriptionT%C3%ADnh%20tr%E1%BB%A3%20c%E1%BA%A5p%20th%E1%BA%A5t%20nghi%E1%BB%87p%20nh%E1%BA%ADn%20%C4%91%C6%B0%E1%BB%A3c%20v%C3%A0%20%C4%91i%E1%BB%81u%20ki%E1%BB%87n%20%C4%91%E1%BB%A7%20%C4%91i%E1%BB%81u%20ki%E1%BB%87n%20khi%20m%E1%BA%A5t%20vi%E1%BB%87c.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Bảo Hiểm Thất Nghiệp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính trợ cấp thất nghiệp nhận được và điều kiện đủ điều kiện khi mất việc./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20%C4%90%E1%BA%A7u%20T%C6%B0%20vs%20Ti%E1%BA%BFt%20Ki%E1%BB%87m&descriptionT%C3%ADnh%20inflation-adjusted%20returns.%20Khuy%E1%BA%BFn%20ngh%E1%BB%8B%20ph%C3%A2n%20b%E1%BB%95%20gi%E1%BB%AFa%20ti%E1%BA%BFt%20ki%E1%BB%87m%20v%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Đầu Tư vs Tiết Kiệm/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính inflation-adjusted returns. Khuyến nghị phân bổ giữa tiết kiệm và đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Ti%E1%BA%BFt%20Ki%E1%BB%87m%20vs%20L%E1%BA%A1m%20Ph%C3%A1t&descriptionReal%20vs%20nominal%20returns.%20Purchasing%20power%20theo%20th%E1%BB%9Di%20gian%20v%E1%BB%9Bi%20CPI%20data%20Vi%E1%BB%87t%20Nam%203-4%25%2Fn%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-yellow-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-down w-7 h-7 aria-hiddentrue>path dM16 17h6v-6>/path>path dm22 17-8.5-8.5-5 5L2 7>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiết Kiệm vs Lạm Phát/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Real vs nominal returns. Purchasing power theo thời gian với CPI data Việt Nam 3-4%/năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Barista%20FIRE&descriptionM%C3%B4%20ph%E1%BB%8Fng%20b%C3%A1n%20ngh%E1%BB%89%20h%C6%B0u%20v%E1%BB%9Bi%20thu%20nh%E1%BA%ADp%20part-time.%20Flexibility%20analysis%20cho%20semi-retirement.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coffee w-7 h-7 aria-hiddentrue>path dM10 2v2>/path>path dM14 2v2>/path>path dM16 8a1 1 0 0 1 1 1v8a4 4 0 0 1-4 4H7a4 4 0 0 1-4-4V9a1 1 0 0 1 1-1h14a4 4 0 1 1 0 8h-1>/path>path dM6 2v2>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Barista FIRE/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Mô phỏng bán nghỉ hưu với thu nhập part-time. Flexibility analysis cho semi-retirement./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20B%E1%BA%A3o%20Hi%E1%BB%83m%20XH%20Vi%E1%BB%87t%20Nam&description%C6%AF%E1%BB%9Bc%20t%C3%ADnh%20l%C6%B0%C6%A1ng%20h%C6%B0u%20t%E1%BB%AB%20BHXH.%20Optimal%20claiming%20age%20v%C3%A0%20benefit%20calculation.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Bảo Hiểm XH Việt Nam/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Ước tính lương hưu từ BHXH. Optimal claiming age và benefit calculation./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20Doanh%20Nghi%E1%BB%87p&descriptionThu%E1%BA%BF%20thu%20nh%E1%BA%ADp%20DN%20v%C3%A0%20VAT.%20Kh%E1%BA%A5u%20tr%E1%BB%AB%20thu%E1%BA%BF%20v%C3%A0%20deduction%20optimization.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-briefcase w-7 h-7 aria-hiddentrue>path dM16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16>/path>rect width20 height14 x2 y6 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế Doanh Nghiệp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thuế thu nhập DN và VAT. Khấu trừ thuế và deduction optimization./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20B%C4%90S&descriptionThu%E1%BA%BF%20chuy%E1%BB%83n%20nh%C6%B0%E1%BB%A3ng%20v%C3%A0%20thu%E1%BA%BF%20s%E1%BB%9F%20h%E1%BB%AFu%20B%C4%90S.%20Tax%20planning%20strategies.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-building w-7 h-7 aria-hiddentrue>path dM12 10h.01>/path>path dM12 14h.01>/path>path dM12 6h.01>/path>path dM16 10h.01>/path>path dM16 14h.01>/path>path dM16 6h.01>/path>path dM8 10h.01>/path>path dM8 14h.01>/path>path dM8 6h.01>/path>path dM9 22v-3a1 1 0 0 1 1-1h4a1 1 0 0 1 1 1v3>/path>rect x4 y2 width16 height20 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế BĐS/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thuế chuyển nhượng và thuế sở hữu BĐS. Tax planning strategies./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionCapital%20gains%20tax%2C%20dividend%20tax%2C%20v%C3%A0%20tax-loss%20harvesting%20opportunities%20cho%20c%E1%BB%95%20phi%E1%BA%BFu%2C%20tr%C3%A1i%20phi%E1%BA%BFu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Capital gains tax, dividend tax, và tax-loss harvesting opportunities cho cổ phiếu, trái phiếu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20B%E1%BA%A3o%20Hi%E1%BB%83m%20Khuy%E1%BA%BFt%20T%E1%BA%ADt&descriptionIncome%20replacement%20need%20v%C3%A0%20benefit%20duration%20cho%20disability%20insurance.%20T%C3%ADnh%20ph%C3%AD%20h%C3%A0ng%20th%C3%A1ng%20v%C3%A0%20quy%E1%BB%81n%20l%E1%BB%A3i%20b%E1%BA%A3o%20hi%E1%BB%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Bảo Hiểm Khuyết Tật/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Income replacement need và benefit duration cho disability insurance. Tính phí hàng tháng và quyền lợi bảo hiểm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20C%C3%A1c%20Kho%E1%BA%A3n%20Vay&descriptionSo%20s%C3%A1nh%202-4%20kho%E1%BA%A3n%20vay%20c%C3%B9ng%20l%C3%BAc.%20Bi%E1%BB%83u%20%C4%91%E1%BB%93%20tr%E1%BB%B1c%20quan%20chi%20ph%C3%AD%20t%E1%BB%95ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Các Khoản Vay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 2-4 khoản vay cùng lúc. Biểu đồ trực quan chi phí tổng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%C3%A3i%20Th%E1%BA%BB%20T%C3%ADn%20D%E1%BB%A5ng&descriptionT%C3%ADnh%20th%E1%BB%9Di%20gian%20tr%E1%BA%A3%20h%E1%BA%BFt%20n%E1%BB%A3%20th%E1%BA%BB%20v%C3%A0%20t%E1%BB%95ng%20l%C3%A3i%20ph%E1%BA%A3i%20tr%E1%BA%A3%20khi%20ch%E1%BB%89%20tr%E1%BA%A3%20t%E1%BB%91i%20thi%E1%BB%83u.%20Simulation%20khi%20t%C4%83ng%20s%E1%BB%91%20ti%E1%BB%81n%20tr%E1%BA%A3%20m%E1%BB%97i%20th%C3%A1ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-red-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-credit-card w-7 h-7 aria-hiddentrue>rect width20 height14 x2 y5 rx2>/rect>line x12 x222 y110 y210>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lãi Thẻ Tín Dụng/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính thời gian trả hết nợ thẻ và tổng lãi phải trả khi chỉ trả tối thiểu. Simulation khi tăng số tiền trả mỗi tháng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Tr%E1%BA%A3%20N%E1%BB%A3%20Tr%C6%B0%E1%BB%9Bc%20H%E1%BA%A1n&descriptionT%C3%ADnh%20ti%E1%BA%BFt%20ki%E1%BB%87m%20l%C3%A3i%20v%C3%A0%20th%E1%BB%9Di%20gian%20r%C3%BAt%20ng%E1%BA%AFn%20khi%20tr%E1%BA%A3%20th%C3%AAm.%20So%20s%C3%A1nh%20v%E1%BB%9Bi%20%C4%91%E1%BA%A7u%20t%C6%B0%20s%E1%BB%91%20ti%E1%BB%81n%20%C4%91%C3%B3%20v%C3%A0o%20ch%E1%BB%A9ng%20kho%C3%A1n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-down w-7 h-7 aria-hiddentrue>path dM16 17h6v-6>/path>path dm22 17-8.5-8.5-5 5L2 7>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Trả Nợ Trước Hạn/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính tiết kiệm lãi và thời gian rút ngắn khi trả thêm. So sánh với đầu tư số tiền đó vào chứng khoán./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20Tr%E1%BA%A3%20N%E1%BB%A3%20vs%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionROI%20comparison%3A%20N%C3%AAn%20tr%E1%BA%A3%20n%E1%BB%A3%20nhanh%20hay%20%C4%91%E1%BA%A7u%20t%C6%B0%20s%E1%BB%91%20ti%E1%BB%81n%20th%C3%AAm%20%C4%91%C3%B3%3F%20Khuy%E1%BA%BFn%20ngh%E1%BB%8B%20t%E1%BB%91i%20%C6%B0u%20d%E1%BB%B1a%20tr%C3%AAn%20l%C3%A3i%20su%E1%BA%A5t%20v%C3%A0%20return%20rate.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Trả Nợ vs Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>ROI comparison: Nên trả nợ nhanh hay đầu tư số tiền thêm đó? Khuyến nghị tối ưu dựa trên lãi suất và return rate./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Refinance%20(T%C3%A1i%20C%E1%BA%A5p%20V%E1%BB%91n)&descriptionT%C3%ADnh%20to%C3%A1n%20xem%20c%C3%B3%20n%C3%AAn%20t%C3%A1i%20c%E1%BA%A5p%20v%E1%BB%91n%20kh%C3%B4ng.%20Break-even%20point%20khi%20chuy%E1%BB%83n%20sang%20l%C3%A3i%20su%E1%BA%A5t%20m%E1%BB%9Bi%2C%20chi%20ph%C3%AD%20refinance.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Refinance (Tái Cấp Vốn)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính toán xem có nên tái cấp vốn không. Break-even point khi chuyển sang lãi suất mới, chi phí refinance./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20DSCR%20(Debt%20Service%20Coverage%20Ratio)&descriptionKh%E1%BA%A3%20n%C4%83ng%20tr%E1%BA%A3%20n%E1%BB%A3%20t%E1%BB%AB%20thu%20nh%E1%BA%ADp%20thu%C3%AA.%20Bank%20requirement%20check%20cho%20vay%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0%20(t%E1%BB%91i%20thi%E1%BB%83u%201.25x).>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-percent w-7 h-7 aria-hiddentrue>line x119 x25 y15 y219>/line>circle cx6.5 cy6.5 r2.5>/circle>circle cx17.5 cy17.5 r2.5>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính DSCR (Debt Service Coverage Ratio)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Khả năng trả nợ từ thu nhập thuê. Bank requirement check cho vay BĐS đầu tư (tối thiểu 1.25x)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Tr%E1%BA%A3%20N%E1%BB%A3%20T%C3%B9y%20Ch%E1%BB%89nh&descriptionCho%20ph%C3%A9p%20nh%E1%BA%ADp%20l%E1%BB%8Bch%20tr%E1%BA%A3%20linh%20ho%E1%BA%A1t%20(thay%20%C4%91%E1%BB%95i%20s%E1%BB%91%20ti%E1%BB%81n%20theo%20th%C3%A1ng).%20Visualize%20timeline%20tr%E1%BA%A3%20n%E1%BB%A3%20theo%20k%E1%BA%BF%20ho%E1%BA%A1ch%20ri%C3%AAng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Trả Nợ Tùy Chỉnh/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Cho phép nhập lịch trả linh hoạt (thay đổi số tiền theo tháng). Visualize timeline trả nợ theo kế hoạch riêng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Appreciation%20%26%20Depreciation%20B%C4%90S&descriptionGi%C3%A1%20tr%E1%BB%8B%20t%C4%83ng%2Fgi%E1%BA%A3m%20theo%20n%C4%83m%20d%E1%BB%B1a%20tr%C3%AAn%20historical%20data.%20Tax%20depreciation%20benefit%20cho%20nh%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Appreciation & Depreciation BĐS/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Giá trị tăng/giảm theo năm dựa trên historical data. Tax depreciation benefit cho nhà đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20BRRRR%20Strategy&descriptionBuy-Rehab-Rent-Refinance-Repeat%20simulation.%20Cash-out%20refinance%20v%C3%A0%20scalability%20analysis%20cho%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính BRRRR Strategy/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Buy-Rehab-Rent-Refinance-Repeat simulation. Cash-out refinance và scalability analysis cho BĐS đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20M%E1%BB%A5c%20Ti%C3%AAu%20Ti%E1%BA%BFt%20Ki%E1%BB%87m&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20g%E1%BB%ADi%20h%C3%A0ng%20th%C3%A1ng%20%C4%91%E1%BB%83%20%C4%91%E1%BA%A1t%20m%E1%BB%A5c%20ti%C3%AAu.%20Timeline%20visualization.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-target w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>circle cx12 cy12 r6>/circle>circle cx12 cy12 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Mục Tiêu Tiết Kiệm/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần gửi hàng tháng để đạt mục tiêu. Timeline visualization./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Rule%20of%2072&descriptionTh%E1%BB%9Di%20gian%20nh%C3%A2n%20%C4%91%C3%B4i%20ti%E1%BB%81n%20v%E1%BB%9Bi%20c%C3%A1c%20m%E1%BB%A9c%20l%E1%BB%A3i%20nhu%E1%BA%ADn%20kh%C3%A1c%20nhau.%20Interactive%20visualization%20so%20s%C3%A1nh%20scenarios.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-zap w-7 h-7 aria-hiddentrue>path dM4 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rule of 72/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thời gian nhân đôi tiền với các mức lợi nhuận khác nhau. Interactive visualization so sánh scenarios./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%E1%BB%A3i%20Nhu%E1%BA%ADn%20C%E1%BB%95%20Phi%E1%BA%BFu&descriptionT%C3%ADnh%20ROI%2C%20dividend%20yield%2C%20v%C3%A0%20cost%20averaging%20cho%20%C4%91%E1%BA%A7u%20t%C6%B0%20c%E1%BB%95%20phi%E1%BA%BFu.%20H%E1%BB%97%20tr%E1%BB%A3%20c%E1%BA%A3%20VN-Index%20v%C3%A0%20c%E1%BB%95%20phi%E1%BA%BFu%20l%E1%BA%BB.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lợi Nhuận Cổ Phiếu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính ROI, dividend yield, và cost averaging cho đầu tư cổ phiếu. Hỗ trợ cả VN-Index và cổ phiếu lẻ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20XKLK%20Qu%E1%BB%B9%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionT%C3%ADnh%20NAV%20growth%20v%C3%A0%20impact%20c%E1%BB%A7a%20ph%C3%AD%20qu%E1%BA%A3n%20l%C3%BD%20(1-2%25%2Fn%C4%83m)%20%C4%91%E1%BB%91i%20v%E1%BB%9Bi%20l%E1%BB%A3i%20nhu%E1%BA%ADn%20qu%E1%BB%B9%20sau%2010-20%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-briefcase w-7 h-7 aria-hiddentrue>path dM16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16>/path>rect width20 height14 x2 y6 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính XKLK Quỹ Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính NAV growth và impact của phí quản lý (1-2%/năm) đối với lợi nhuận quỹ sau 10-20 năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?title%C4%90%C3%A1nh%20Gi%C3%A1%20R%E1%BB%A7i%20Ro%20%C4%90%E1%BA%A7u%20T%C6%B0&description%C4%90%C3%A1nh%20gi%C3%A1%20kh%E1%BA%A3%20n%C4%83ng%20ch%E1%BA%A5p%20nh%E1%BA%ADn%20r%E1%BB%A7i%20ro%20(risk%20tolerance)%20v%C3%A0%20%C4%91%E1%BB%81%20xu%E1%BA%A5t%20ph%C3%A2n%20b%E1%BB%95%20t%C3%A0i%20s%E1%BA%A3n%20ph%C3%B9%20h%E1%BB%A3p%20(stocks%2Fbonds%2Fcash).>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Đánh Giá Rủi Ro Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Đánh giá khả năng chấp nhận rủi ro (risk tolerance) và đề xuất phân bổ tài sản phù hợp (stocks/bonds/cash)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Dividend%20Reinvestment%20(DRIP)&descriptionCompound%20dividend%20growth%20v%E1%BB%9Bi%20tax-adjusted%20returns.%20So%20s%C3%A1nh%20t%C3%A1i%20%C4%91%E1%BA%A7u%20t%C6%B0%20c%E1%BB%95%20t%E1%BB%A9c%20vs%20r%C3%BAt%20ti%E1%BB%81n%20ti%C3%AAu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-gift w-7 h-7 aria-hiddentrue>rect x3 y8 width18 height4 rx1>/rect>path dM12 8v13>/path>path dM19 12v7a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2v-7>/path>path dM7.5 8a2.5 2.5 0 0 1 0-5A4.8 8 0 0 1 12 8a4.8 8 0 0 1 4.5-5 2.5 2.5 0 0 1 0 5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Dividend Reinvestment (DRIP)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Compound dividend growth với tax-adjusted returns. So sánh tái đầu tư cổ tức vs rút tiền tiêu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20K%E1%BB%8Bch%20B%E1%BA%A3n%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionSo%20s%C3%A1nh%203-5%20k%E1%BB%8Bch%20b%E1%BA%A3n%20%C4%91%E1%BA%A7u%20t%C6%B0%20song%20song.%20Monte%20Carlo%20simulation%20v%E1%BB%9Bi%2010%2C000%20scenarios%20%C4%91%E1%BB%83%20t%C3%ADnh%20success%20rate.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chart-column w-7 h-7 aria-hiddentrue>path dM3 3v16a2 2 0 0 0 2 2h16>/path>path dM18 17V9>/path>path dM13 17V5>/path>path dM8 17v-3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Kịch Bản Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 3-5 kịch bản đầu tư song song. Monte Carlo simulation với 10,000 scenarios để tính success rate./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Rebalancing%20Danh%20M%E1%BB%A5c&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20mua%2Fb%C3%A1n%20%C4%91%E1%BB%83%20rebalance%20portfolio%20v%E1%BB%81%20t%E1%BB%B7%20l%E1%BB%87%20m%E1%BB%A5c%20ti%C3%AAu.%20Tax%20implications%20khi%20b%C3%A1n%20l%E1%BB%9Di%2Fl%E1%BB%97.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rebalancing Danh Mục/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần mua/bán để rebalance portfolio về tỷ lệ mục tiêu. Tax implications khi bán lời/lỗ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Volatility%20%26%20R%E1%BB%A7i%20Ro&descriptionT%C3%ADnh%20Sharpe%20ratio%2C%20Sortino%20ratio%2C%20max%20drawdown%20v%C3%A0%20risk-adjusted%20returns%20cho%20danh%20m%E1%BB%A5c%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-red-500 to-orange-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Volatility & Rủi Ro/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính Sharpe ratio, Sortino ratio, max drawdown và risk-adjusted returns cho danh mục đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20L%E1%BB%99%20Tr%C3%ACnh%20FIRE&descriptionTimeline%20visualization%20t%E1%BB%AB%20hi%E1%BB%87n%20t%E1%BA%A1i%20%C4%91%E1%BA%BFn%20FIRE%20goal.%20DCA%20contribution%20c%E1%BA%A7n%20thi%E1%BA%BFt%20v%C3%A0%20milestone%20tracking%20theo%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-target w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>circle cx12 cy12 r6>/circle>circle cx12 cy12 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Lộ Trình FIRE/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Timeline visualization từ hiện tại đến FIRE goal. DCA contribution cần thiết và milestone tracking theo năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Emergency%20Fund%20Chi%20Ti%E1%BA%BFt&description3-6-12%20months%20scenarios%20v%E1%BB%9Bi%20personalized%20recommendation%20d%E1%BB%B1a%20tr%C3%AAn%20job%20stability%20v%C3%A0%20dependents.%20L%E1%BB%99%20tr%C3%ACnh%20ti%E1%BA%BFt%20ki%E1%BB%87m%20qu%E1%BB%B9%20d%E1%BB%B1%20ph%C3%B2ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Emergency Fund Chi Tiết/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>3-6-12 months scenarios với personalized recommendation dựa trên job stability và dependents. Lộ trình tiết kiệm quỹ dự phòng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%201%25%20Rule%20%26%2050%25%20Rule&descriptionScreening%20tool%20cho%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0.%20Good%20deal%20checker%20theo%20c%C3%A1c%20quy%20t%E1%BA%AFc%20kinh%20nghi%E1%BB%87m%20c%E1%BB%A7a%20nh%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0%20l%C3%A2u%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-7 h-7 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính 1% Rule & 50% Rule/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Screening tool cho BĐS đầu tư. Good deal checker theo các quy tắc kinh nghiệm của nhà đầu tư lâu năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?title%C4%90%C3%A1nh%20Gi%C3%A1%20R%E1%BB%A7i%20Ro%20T%C3%A0i%20Ch%C3%ADnh%20C%C3%A1%20Nh%C3%A2n&descriptionComprehensive%20risk%20score%20v%C3%A0%20mitigation%20strategies.%20Financial%20resilience%20assessment%20d%E1%BB%B1a%20tr%C3%AAn%20thu%20nh%E1%BA%ADp%2C%20t%C3%A0i%20s%E1%BA%A3n%2C%20n%E1%BB%A3.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Đánh Giá Rủi Ro Tài Chính Cá Nhân/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Comprehensive risk score và mitigation strategies. Financial resilience assessment dựa trên thu nhập, tài sản, nợ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Y%20T%E1%BA%BF%20Su%E1%BB%91t%20%C4%90%E1%BB%9Di&descriptionAge-based%20projections%20v%C3%A0%20catastrophic%20scenario%20planning%20cho%20healthcare%20costs.%20Bao%20g%E1%BB%93m%20b%E1%BA%A3o%20hi%E1%BB%83m%20y%20t%E1%BA%BF%20v%C3%A0%20chi%20ph%C3%AD%20out-of-pocket.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Y Tế Suốt Đời/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Age-based projections và catastrophic scenario planning cho healthcare costs. Bao gồm bảo hiểm y tế và chi phí out-of-pocket./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20S%E1%BB%91ng%20Ngh%E1%BB%89%20H%C6%B0u&descriptionInflation-adjusted%20expenses%20v%C3%A0%20healthcare%20cost%20projections%20cho%20th%E1%BB%9Di%20k%E1%BB%B3%20ngh%E1%BB%89%20h%C6%B0u.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-piggy-bank w-7 h-7 aria-hiddentrue>path dM11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z>/path>path dM16 10h.01>/path>path dM2 8v1a2 2 0 0 0 2 2h1>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Sống Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Inflation-adjusted expenses và healthcare cost projections cho thời kỳ nghỉ hưu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Tu%E1%BB%95i%20Ngh%E1%BB%89%20H%C6%B0u%20T%E1%BB%91i%20%C6%AFu&descriptionBalance%20lifestyle%20vs%20financial%20security.%20Trade-off%20analysis%20cho%20quy%E1%BA%BFt%20%C4%91%E1%BB%8Bnh%20ngh%E1%BB%89%20h%C6%B0u%20s%E1%BB%9Bm%20hay%20mu%E1%BB%99n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tuổi Nghỉ Hưu Tối Ưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Balance lifestyle vs financial security. Trade-off analysis cho quyết định nghỉ hưu sớm hay muộn./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20R%C3%BAt%20Ti%E1%BB%81n%20Ngh%E1%BB%89%20H%C6%B0u&descriptionSo%20s%C3%A1nh%204%25%20rule%2C%20Variable%20Percentage%20withdrawal%2C%20v%C3%A0%20Bucket%20strategy.%20Tax-efficient%20withdrawal%20%C4%91%E1%BB%83%20t%E1%BB%91i%20thi%E1%BB%83u%20h%C3%B3a%20thu%E1%BA%BF.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-dollar-sign w-7 h-7 aria-hiddentrue>line x112 x212 y12 y222>/line>path dM17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rút Tiền Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 4% rule, Variable Percentage withdrawal, và Bucket strategy. Tax-efficient withdrawal để tối thiểu hóa thuế./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20K%E1%BB%8Bch%20B%E1%BA%A3n%20Ngh%E1%BB%89%20H%C6%B0u&descriptionMonte%20Carlo%20simulation%20v%E1%BB%9Bi%2010%2C000%20runs.%20Success%20rate%20visualization%20cho%20retirement%20plan%20theo%20c%C3%A1c%20scenarios%20th%E1%BB%8B%20tr%C6%B0%E1%BB%9Dng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chart-column w-7 h-7 aria-hiddentrue>path dM3 3v16a2 2 0 0 0 2 2h16>/path>path dM18 17V9>/path>path dM13 17V5>/path>path dM8 17v-3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Kịch Bản Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Monte Carlo simulation với 10,000 runs. Success rate visualization cho retirement plan theo các scenarios thị trường./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20RMD%20(Required%20Minimum%20Distribution)&descriptionS%E1%BB%91%20ti%E1%BB%81n%20r%C3%BAt%20t%E1%BB%91i%20thi%E1%BB%83u%20t%E1%BB%AB%20retirement%20accounts%20sau%2072%20tu%E1%BB%95i.%20Tax%20planning%20implications%20cho%20ng%C6%B0%E1%BB%9Di%20VN%20c%C3%B3%20t%C3%A0i%20kho%E1%BA%A3n%20%E1%BB%9F%20n%C6%B0%E1%BB%9Bc%20ngo%C3%A0i.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-calculator w-7 h-7 aria-hiddentrue>rect width16 height20 x4 y2 rx2>/rect>line x18 x216 y16 y26>/line>line x116 x216 y114 y218>/line>path dM16 10h.01>/path>path dM12 10h.01>/path>path dM8 10h.01>/path>path dM12 14h.01>/path>path dM8 14h.01>/path>path dM12 18h.01>/path>path dM8 18h.01>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính RMD (Required Minimum Distribution)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Số tiền rút tối thiểu từ retirement accounts sau 72 tuổi. Tax planning implications cho người VN có tài khoản ở nước ngoài./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Roth%20Conversion&descriptionTax%20impact%20analysis%20v%C3%A0%20long-term%20benefit%20c%E1%BB%A7a%20Roth%20IRA%20conversion.%20Optimization%20strategy%20cho%20ng%C6%B0%E1%BB%9Di%20c%C3%B3%20thu%20nh%E1%BA%ADp%20bi%E1%BA%BFn%20%C4%91%E1%BB%99ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Roth Conversion/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tax impact analysis và long-term benefit của Roth IRA conversion. Optimization strategy cho người có thu nhập biến động./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Nu%C3%B4i%20Con&descriptionAge-based%20projections%20t%E1%BB%AB%200-18%20tu%E1%BB%95i%20v%E1%BB%9Bi%20breakdown%20chi%20ti%E1%BA%BFt%3A%20childcare%20(15M-25M%2Fth%C3%A1ng)%2C%20education%20(s%E1%BB%AFa%2C%20t%C3%A3%2C%20tr%C6%B0%E1%BB%9Dng%20h%E1%BB%8Dc)%2C%20healthcare%20(kh%C3%A1m%20b%E1%BB%87nh%20%C4%91%E1%BB%8Bnh%20k%E1%BB%B3%2C%20vaccine)%2C%20extracurricular%20activities%20(th%E1%BB%83%20thao%2C%20ngh%E1%BB%87%20thu%E1%BA%ADt).%20Inflation%20adjustment%203-4%25%2Fn%C4%83m%20cho%20d%E1%BB%B1%20b%C3%A1o%20d%C3%A0i%20h%E1%BA%A1n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-pink-500 to-rose-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Nuôi Con/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Age-based projections từ 0-18 tuổi với breakdown chi tiết: childcare (15M-25M/tháng), education (sữa, tã, trường học), healthcare (khám bệnh định kỳ, vaccine), extracurricular activities (thể thao, nghệ thuật). Inflation adjustment 3-4%/năm cho dự báo dài hạn./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleK%E1%BA%BF%20Ho%E1%BA%A1ch%20Ti%E1%BA%BFt%20Ki%E1%BB%87m%20H%E1%BB%8Dc%20Ph%C3%AD&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20ti%E1%BA%BFt%20ki%E1%BB%87m%20cho%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20(4-5%20n%C4%83m).%20So%20s%C3%A1nh%20chi%20ph%C3%AD%3A%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20c%C3%B4ng%20l%E1%BA%ADp%20VN%20(10-30M%2Fn%C4%83m)%2C%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20t%C6%B0%20th%E1%BB%A5c%20VN%20(50-150M%2Fn%C4%83m)%2C%20du%20h%E1%BB%8Dc%20M%E1%BB%B9%2F%C3%9Ac%20(%2430-50K%2Fn%C4%83m).%20Monthly%20contribution%20c%E1%BA%A7n%20thi%E1%BA%BFt%20v%C3%A0%20investment%20strategy%20%C4%91%E1%BB%83%20%C4%91%E1%BA%A1t%20m%E1%BB%A5c%20ti%C3%AAu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-graduation-cap w-7 h-7 aria-hiddentrue>path dM21.42 10.922a1 1 0 0 0-.019-1.838L12.83 5.18a2 2 0 0 0-1.66 0L2.6 9.08a1 1 0 0 0 0 1.832l8.57 3.908a2 2 0 0 0 1.66 0z>/path>path dM22 10v6>/path>path dM6 12.5V16a6 3 0 0 0 12 0v-3.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Kế Hoạch Tiết Kiệm Học Phí/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần tiết kiệm cho đại học (4-5 năm). So sánh chi phí: đại học công lập VN (10-30M/năm), đại học tư thục VN (50-150M/năm), du học Mỹ/Úc ($30-50K/năm). Monthly contribution cần thiết và investment strategy để đạt mục tiêu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Ti%E1%BB%81n%20Th%E1%BB%ABa%20K%E1%BA%BF%20%26%20Qu%C3%A0%20T%E1%BA%B7ng&descriptionEstate%20planning%20v%C3%A0%20gift%20tax%20implications.%20T%C3%ADnh%20to%C3%A1n%20ph%C3%A2n%20chia%20t%C3%A0i%20s%E1%BA%A3n%20c%C3%B4ng%20b%E1%BA%B1ng%20cho%20con%20c%C3%A1i.%20Trust%20fund%20planning%20v%C3%A0%20generational%20wealth%20transfer%20strategies%20cho%20gia%20%C4%91%C3%ACnh%20%C4%91a%20th%E1%BA%BF%20h%E1%BB%87.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-gift w-7 h-7 aria-hiddentrue>rect x3 y8 width18 height4 rx1>/rect>path dM12 8v13>/path>path dM19 12v7a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2v-7>/path>path dM7.5 8a2.5 2.5 0 0 1 0-5A4.8 8 0 0 1 12 8a4.8 8 0 0 1 4.5-5 2.5 2.5 0 0 1 0 5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiền Thừa Kế & Quà Tặng/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Estate planning và gift tax implications. Tính toán phân chia tài sản công bằng cho con cái. Trust fund planning và generational wealth transfer strategies cho gia đình đa thế hệ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Chi%20Ph%C3%AD%20C%C6%B0%E1%BB%9Bi&descriptionBudget%20breakdown%20cho%20%C4%91%C3%A1m%20c%C6%B0%E1%BB%9Bi%3A%20venue%20(100-500M)%2C%20catering%20(2-5M%2Fb%C3%A0n)%2C%20photography%2Fvideography%20(20-80M)%2C%20trang%20s%E1%BB%A9c%20(50-200M%20SJC).%20Financing%20options%3A%20ti%E1%BA%BFt%20ki%E1%BB%87m%2C%20vay%20c%C3%A1%20nh%C3%A2n%2C%20hay%20family%20contribution.%20ROI%20analysis%20cho%20%C4%91%E1%BA%A7u%20t%C6%B0%20v%C3%A0o%20ng%C3%A0y%20tr%E1%BB%8Dng%20%C4%91%E1%BA%A1i.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-pink-500 to-rose-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Chi Phí Cưới/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Budget breakdown cho đám cưới: venue (100-500M), catering (2-5M/bàn), photography/videography (20-80M), trang sức (50-200M SJC). Financing options: tiết kiệm, vay cá nhân, hay family contribution. ROI analysis cho đầu tư vào ngày trọng đại./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Ch%C4%83m%20S%C3%B3c%20Ng%C6%B0%E1%BB%9Di%20Gi%C3%A0&descriptionLong-term%20care%20cost%20planning%20cho%20b%E1%BB%91%20m%E1%BA%B9%20gi%C3%A0.%20Chi%20ph%C3%AD%20nursing%20home%20(15-40M%2Fth%C3%A1ng)%2C%20home%20care%20(8-20M%2Fth%C3%A1ng)%2C%20medical%20expenses.%20Insurance%20options%20v%C3%A0%20family%20financial%20impact%20analysis%20khi%20ph%E1%BA%A3i%20ch%C4%83m%20s%C3%B3c%20ng%C6%B0%E1%BB%9Di%20th%C3%A2n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Chăm Sóc Người Già/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Long-term care cost planning cho bố mẹ già. Chi phí nursing home (15-40M/tháng), home care (8-20M/tháng), medical expenses. Insurance options và family financial impact analysis khi phải chăm sóc người thân./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%E1%BB%A3i%20%C3%8Dch%20C%C3%B3%20Con%20S%E1%BB%9Bm%20vs%20Mu%E1%BB%99n&descriptionFinancial%20%26%20lifestyle%20trade-offs%20khi%20c%C3%B3%20con%20%E1%BB%9F%20tu%E1%BB%95i%2025-30%20vs%2035-40.%20Career%20impact%2C%20retirement%20timeline%2C%20generational%20wealth%20transfer%2C%20v%C3%A0%20health%20cost%20projections.%20Total%20lifetime%20cost%20comparison%20%C4%91%E1%BB%83%20h%E1%BB%97%20tr%E1%BB%A3%20quy%E1%BA%BFt%20%C4%91%E1%BB%8Bnh%20family%20planning.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lợi Ích Có Con Sớm vs Muộn/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Financial & lifestyle trade-offs khi có con ở tuổi 25-30 vs 35-40. Career impact, retirement timeline, generational wealth transfer, và health cost projections. Total lifetime cost comparison để hỗ trợ quyết định family planning./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>/div>/section>/main>/div>section classmx-4 mb-8 rounded-2xl border border-slate-200 bg-white/90 p-5 shadow-sm dark:border-slate-700 dark:bg-slate-800/60 md:mx-6 md:p-6>header classmb-4 md:mb-5>h2 classtext-xl font-bold text-slate-900 dark:text-slate-100>Lộ trình dùng công cụ theo mục tiêu/h2>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Chọn cụm nhu cầu để đi nhanh đến các máy tính liên quan và tăng hiệu quả lập kế hoạch tài chính./p>/header>div classgrid grid-cols-1 gap-4 md:grid-cols-2>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Bắt đầu quản lý tài chính cá nhân/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Nhóm công cụ nền tảng để kiểm tra thu nhập thực nhận, quỹ an toàn và sức khỏe tài chính./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-luong-gross-net>→ !-- -->Tính lương Gross ↔ Net/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-quy-du-phong>→ !-- -->Tính quỹ dự phòng/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/diem-suc-khoe-tai-chinh>→ !-- -->Điểm sức khỏe tài chính/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Quản lý nợ và các quyết định vay lớn/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Dùng khi cần ra quyết định vay mua xe, mua nhà hoặc tối ưu kế hoạch trả nợ./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-ty-le-no-an-toan>→ !-- -->Tỷ lệ nợ an toàn (DTI)/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/chien-luoc-tra-no>→ !-- -->Chiến lược trả nợ/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-tien-vay-mua-xe>→ !-- -->Tính tiền vay mua xe/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Tích lũy và đầu tư dài hạn/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>So sánh các lựa chọn đầu tư phổ biến: DCA, vàng và ngoại tệ để đa dạng hóa danh mục./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-dau-tu-dinh-ky-dca>→ !-- -->Đầu tư định kỳ DCA/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/gia-vang>→ !-- -->Tra cứu giá vàng/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/currency-calculator>→ !-- -->Tỷ giá ngoại tệ/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Lập kế hoạch nghỉ hưu sớm/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Bộ công cụ cho mục tiêu tự do tài chính: xác định FIRE number và cân bằng nhà ở theo dòng tiền./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-fire-nghi-huu-som>→ !-- -->FIRE Calculator/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/so-sanh-mua-nha-vs-thue-nha>→ !-- -->So sánh mua nhà vs thuê nhà/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-quy-du-phong>→ !-- -->Quỹ dự phòng khẩn cấp/a>/li>/ul>/article>/div>/section>section classmt-16 mb-8 px-4>div classmax-w-4xl mx-auto>div classtext-center mb-8>div classinline-flex items-center justify-center w-12 h-12 rounded-full bg-gradient-to-br from-blue-500 to-purple-600 text-white mb-4>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-question-mark w-6 h-6 aria-hiddentrue>circle cx12 cy12 r10>/circle>path dM9.09 9a3 3 0 0 1 5.83 1c0 2-3 3-3 3>/path>path dM12 17h.01>/path>/svg>/div>h2 classtext-2xl sm:text-3xl font-bold text-gray-900 dark:text-white mb-2>❓ Câu Hỏi Thường Gặp/h2>p classtext-gray-600 dark:text-slate-400>Tìm hiểu thêm về các công cụ tài chính và cách sử dụng/p>/div>div classspace-y-3>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Tại sao nên sử dụng công cụ tài chính online?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Công cụ nào phù hợp với tôi?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Các công cụ có chính xác không?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Tôi cần đăng ký tài khoản không?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>/div>div classmt-8 p-6 bg-gradient-to-br from-blue-50 to-purple-50 dark:from-slate-800 dark:to-slate-700 rounded-xl border-2 border-blue-200 dark:border-blue-700>div classtext-center mb-4>div classinline-flex items-center justify-center w-12 h-12 rounded-full bg-gradient-to-br from-orange-500 to-red-500 text-white mb-3>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-sparkles w-6 h-6 aria-hiddentrue>path dM11.017 2.814a1 1 0 0 1 1.966 0l1.051 5.558a2 2 0 0 0 1.594 1.594l5.558 1.051a1 1 0 0 1 0 1.966l-5.558 1.051a2 2 0 0 0-1.594 1.594l-1.051 5.558a1 1 0 0 1-1.966 0l-1.051-5.558a2 2 0 0 0-1.594-1.594l-5.558-1.051a1 1 0 0 1 0-1.966l5.558-1.051a2 2 0 0 0 1.594-1.594z>/path>path dM20 2v4>/path>path dM22 4h-4>/path>circle cx4 cy20 r2>/circle>/svg>/div>h3 classtext-lg font-bold text-gray-900 dark:text-white mb-2>Bạn cần công cụ tài chính nào khác?/h3>p classtext-gray-600 dark:text-slate-400 text-sm>Đề xuất công cụ mới hoặc gửi câu hỏi của bạn cho chúng tôi/p>/div>div classflex flex-col sm:flex-row gap-3 justify-center>button classinline-flex items-center justify-center gap-2 bg-gradient-to-r from-blue-600 to-purple-600 text-white px-6 py-3 rounded-lg font-semibold hover:shadow-lg 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dark:placeholder:text-slate-400 shadow-lg aria-labelTìm kiếm công cụ tài chính value/>/div>/div>/div>/section>div classflex flex-col lg:flex-row container mx-auto max-w-7xl>aside classhidden lg:block lg:w-72 flex-shrink-0 px-6 py-4 bg-white/50 dark:bg-slate-800/50 backdrop-blur-sm border-r border-gray-200 dark:border-slate-700 sticky top-0 h-screen overflow-y-auto>h2 classtext-sm font-bold text-gray-900 dark:text-white mb-6 px-2 flex items-center gap-2>div classw-1 h-6 bg-gradient-to-b from-blue-600 to-purple-600 rounded-full>/div>Danh Mục Công Cụ/h2>nav classspace-y-2>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all bg-gradient-to-r from-blue-600 to-purple-600 text-white shadow-lg transform scale-105>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-book-open w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM12 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flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>8/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleVay - Nhà - Xe>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>Vay - Nhà - Xe/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>13/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleĐầu Tư - Tiết Kiệm>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>Đầu Tư - Tiết Kiệm/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>18/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleBảo Vệ - Rủi Ro>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>Bảo Vệ - Rủi Ro/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>3/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleFIRE - Nghỉ Hưu Sớm>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>FIRE - Nghỉ Hưu Sớm/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>8/span>/button>button classw-full flex items-center gap-3 px-4 py-3 rounded-xl text-sm font-semibold transition-all text-gray-700 dark:text-slate-200 hover:bg-gray-100 dark:hover:bg-slate-700/70 hover:shadow-md titleGia Đình - Giáo Dục>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-5 h-5 flex-shrink-0 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span classflex-1 text-left whitespace-normal leading-tight>Gia Đình - Giáo Dục/span>span classtext-xs font-bold px-2 py-0.5 rounded-full flex-shrink-0 bg-gray-200 dark:bg-slate-700 text-gray-600 dark:text-slate-300>6/span>/button>/nav>/aside>main classflex-1 min-w-0>div classsticky top-0 z-40 bg-white/95 dark:bg-slate-900/95 backdrop-blur-md border-b border-gray-200 dark:border-slate-700 shadow-sm>div classpx-4 py-3>div classlg:hidden mb-3>button classw-full flex items-center justify-center gap-2 px-4 py-2.5 bg-gradient-to-r from-blue-600 to-purple-600 text-white rounded-lg font-semibold shadow-md hover:shadow-lg transition-shadow>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-funnel w-4 h-4 aria-hiddentrue>path dM10 20a1 1 0 0 0 .553.895l2 1A1 1 0 0 0 14 21v-7a2 2 0 0 1 .517-1.341L21.74 4.67A1 1 0 0 0 21 3H3a1 1 0 0 0-.742 1.67l7.225 7.989A2 2 0 0 1 10 14z>/path>/svg>span>Tất cả danh mục/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-4 h-4 ml-auto aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classflex items-center justify-between gap-3 flex-wrap>div classflex items-center gap-2 flex-wrap>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gradient-to-r from-blue-600 to-purple-600 text-white shadow-md>Tất cả/button>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gray-100 dark:bg-slate-800 text-gray-700 dark:text-slate-200 hover:bg-gray-200 dark:hover:bg-slate-700>Đã ra mắt/button>button classpx-3 py-1.5 rounded-lg font-semibold text-sm transition-all min-h-48px min-w-48px bg-gray-100 dark:bg-slate-800 text-gray-700 dark:text-slate-200 hover:bg-gray-200 dark:hover:bg-slate-700>Sắp ra mắt/button>/div>div classflex items-center gap-2>button classp-2 rounded-lg transition-all min-h-48px min-w-48px flex items-center justify-center bg-blue-600 text-white shadow-md titleGrid view aria-labelGrid view>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-grid3x3 lucide-grid-3x3 w-5 h-5 aria-hiddentrue>rect width18 height18 x3 y3 rx2>/rect>path dM3 9h18>/path>path dM3 15h18>/path>path dM9 3v18>/path>path dM15 3v18>/path>/svg>/button>button classp-2 rounded-lg transition-all min-h-48px min-w-48px flex items-center justify-center text-gray-400 dark:text-slate-500 hover:text-gray-600 dark:hover:text-slate-300 hover:bg-gray-100 dark:hover:bg-slate-800 titleList view aria-labelList view>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-list w-5 h-5 aria-hiddentrue>path dM3 5h.01>/path>path dM3 12h.01>/path>path dM3 19h.01>/path>path dM8 5h13>/path>path dM8 12h13>/path>path dM8 19h13>/path>/svg>/button>/div>/div>div classmt-2 hidden md:flex items-center gap-2 flex-wrap>span classtext-xs font-semibold text-gray-600 dark:text-slate-400 mr-1>Vai trò:/span>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-slate-800 text-white dark:bg-slate-100 dark:text-slate-900>Tất cả/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/button>button classpx-3 py-1 rounded-full text-xs font-semibold transition-all bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/button>/div>div classmt-3 flex items-center gap-2 flex-wrap rolestatus aria-livepolite aria-atomictrue>p classtext-sm text-gray-600 dark:text-slate-400>Hiển thị span classfont-bold text-blue-600 dark:text-blue-400>56/span> công cụ/p>/div>/div>/div>section classp-4>div classgrid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 xl:grid-cols-4 gap-4 md:gap-6>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-luong-gross-net>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-calculator w-7 h-7 aria-hiddentrue>rect width16 height20 x4 y2 rx2>/rect>line x18 x216 y16 y26>/line>line x116 x216 y114 y218>/line>path dM16 10h.01>/path>path dM12 10h.01>/path>path dM8 10h.01>/path>path dM12 14h.01>/path>path dM8 14h.01>/path>path dM12 18h.01>/path>path dM8 18h.01>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lương Gross ↔ Net (2 Chiều)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Công cụ 2 chiều: Tính NET từ GROSS hoặc tính GROSS từ NET mong muốn. Chính xác ±1₫. Hỗ trợ đàm phán lương hiệu quả với BHXH, BHYT, BHTN và Thuế TNCN theo luật 2026./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/gia-vang>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-amber-500 to-yellow-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-7 h-7 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tra Cứu Giá Vàng Hôm Nay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tra cứu giá vàng SJC, 9999, nhẫn trơn real-time. Chuyển đổi đơn vị, tính lãi/lỗ đầu tư vàng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-dau-tu-dinh-ky-dca>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-cyan-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Đầu Tư Định Kỳ DCA/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Backtest DCA vs Lump Sum với dữ liệu VN-Index. So sánh chiến lược đầu tư định kỳ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/diem-suc-khoe-tai-chinh>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-activity w-7 h-7 aria-hiddentrue>path dM22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Điểm Sức Khỏe Tài Chính/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Đánh giá 8 yếu tố tài chính theo chuẩn CFPB. Nhận điểm 0-100 và lộ trình cải thiện cá nhân hóa./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-fire-nghi-huu-som>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-7 h-7 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>FIRE Calculator/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần để nghỉ hưu sớm (FIRE - Financial Independence, Retire Early) và thời gian đạt được./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/so-sanh-mua-nha-vs-thue-nha>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Mua Nhà vs Thuê Nhà/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>5-year và 10-year comparison. Break-even point khi nên mua vs tiếp tục thuê./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-ty-le-no-an-toan>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-percent w-7 h-7 aria-hiddentrue>line x119 x25 y15 y219>/line>circle cx6.5 cy6.5 r2.5>/circle>circle cx17.5 cy17.5 r2.5>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tỷ Lệ Nợ An Toàn (DTI)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Kiểm tra Debt-to-Income ratio theo chuẩn ngân hàng VN (<40%). Khuyến nghị khả năng vay tối đa./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-quy-du-phong>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Quỹ Dự Phòng Khẩn Cấp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính toán quỹ dự phòng cần thiết (3-6 tháng chi tiêu) và lộ trình tiết kiệm phù hợp./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/chien-luoc-tra-no>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-yellow-500 to-orange-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-zap w-7 h-7 aria-hiddentrue>path dM4 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Chiến Lược Trả Nợ: Snowball vs Avalanche/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Mô phỏng 2 phương pháp trả nợ. Tính tiết kiệm lãi với từng chiến lược./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/tinh-tien-vay-mua-xe>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-gradient-to-r from-orange-500 to-red-500 text-white text-xs font-bold px-2 py-1 rounded-full flex items-center gap-1>span>🔥/span>span>Phổ biến/span>/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-car w-7 h-7 aria-hiddentrue>path dM19 17h2c.6 0 1-.4 1-1v-3c0-.9-.7-1.7-1.5-1.9C18.7 10.6 16 10 16 10s-1.3-1.4-2.2-2.3c-.5-.4-1.1-.7-1.8-.7H5c-.6 0-1.1.4-1.4.9l-1.4 2.9A3.7 3.7 0 0 0 2 12v4c0 .6.4 1 1 1h2>/path>circle cx7 cy17 r2>/circle>path dM9 17h6>/path>circle cx17 cy17 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiền Vay Mua Xe/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính tiền trả hàng tháng và tổng chi phí sở hữu xe (bao gồm bảo hiểm, xăng, bảo dưỡng)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/currency-calculator>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-dollar-sign w-7 h-7 aria-hiddentrue>line x112 x212 y12 y222>/line>path dM17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tỷ Giá Ngoại Tệ Hôm Nay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tra cứu tỷ giá USD, EUR, GBP, JPY real-time. Chuyển đổi ngoại tệ nhanh chóng và chính xác./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Sử dụng ngaysvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleB%E1%BA%A3o%20Hi%E1%BB%83m%20H%C6%B0u%20Tr%C3%AD&description%C6%AF%E1%BB%9Bc%20t%C3%ADnh%20l%C6%B0%C6%A1ng%20h%C6%B0u%20t%E1%BB%AB%20BHXH%20v%C3%A0%20so%20s%C3%A1nh%20v%E1%BB%9Bi%20qu%E1%BB%B9%20h%C6%B0u%20tr%C3%AD%20t%E1%BB%B1%20nguy%E1%BB%87n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-piggy-bank w-7 h-7 aria-hiddentrue>path dM11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z>/path>path dM16 10h.01>/path>path dM2 8v1a2 2 0 0 0 2 2h1>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Bảo Hiểm Hưu Trí/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Ước tính lương hưu từ BHXH và so sánh với quỹ hưu trí tự nguyện./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleB%E1%BA%A3o%20Hi%E1%BB%83m%20Th%E1%BA%A5t%20Nghi%E1%BB%87p&descriptionT%C3%ADnh%20tr%E1%BB%A3%20c%E1%BA%A5p%20th%E1%BA%A5t%20nghi%E1%BB%87p%20nh%E1%BA%ADn%20%C4%91%C6%B0%E1%BB%A3c%20v%C3%A0%20%C4%91i%E1%BB%81u%20ki%E1%BB%87n%20%C4%91%E1%BB%A7%20%C4%91i%E1%BB%81u%20ki%E1%BB%87n%20khi%20m%E1%BA%A5t%20vi%E1%BB%87c.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Bảo Hiểm Thất Nghiệp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính trợ cấp thất nghiệp nhận được và điều kiện đủ điều kiện khi mất việc./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20%C4%90%E1%BA%A7u%20T%C6%B0%20vs%20Ti%E1%BA%BFt%20Ki%E1%BB%87m&descriptionT%C3%ADnh%20inflation-adjusted%20returns.%20Khuy%E1%BA%BFn%20ngh%E1%BB%8B%20ph%C3%A2n%20b%E1%BB%95%20gi%E1%BB%AFa%20ti%E1%BA%BFt%20ki%E1%BB%87m%20v%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Đầu Tư vs Tiết Kiệm/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính inflation-adjusted returns. Khuyến nghị phân bổ giữa tiết kiệm và đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Ti%E1%BA%BFt%20Ki%E1%BB%87m%20vs%20L%E1%BA%A1m%20Ph%C3%A1t&descriptionReal%20vs%20nominal%20returns.%20Purchasing%20power%20theo%20th%E1%BB%9Di%20gian%20v%E1%BB%9Bi%20CPI%20data%20Vi%E1%BB%87t%20Nam%203-4%25%2Fn%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-yellow-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-down w-7 h-7 aria-hiddentrue>path dM16 17h6v-6>/path>path dm22 17-8.5-8.5-5 5L2 7>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiết Kiệm vs Lạm Phát/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Real vs nominal returns. Purchasing power theo thời gian với CPI data Việt Nam 3-4%/năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Barista%20FIRE&descriptionM%C3%B4%20ph%E1%BB%8Fng%20b%C3%A1n%20ngh%E1%BB%89%20h%C6%B0u%20v%E1%BB%9Bi%20thu%20nh%E1%BA%ADp%20part-time.%20Flexibility%20analysis%20cho%20semi-retirement.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coffee w-7 h-7 aria-hiddentrue>path dM10 2v2>/path>path dM14 2v2>/path>path dM16 8a1 1 0 0 1 1 1v8a4 4 0 0 1-4 4H7a4 4 0 0 1-4-4V9a1 1 0 0 1 1-1h14a4 4 0 1 1 0 8h-1>/path>path dM6 2v2>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Barista FIRE/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Mô phỏng bán nghỉ hưu với thu nhập part-time. Flexibility analysis cho semi-retirement./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20B%E1%BA%A3o%20Hi%E1%BB%83m%20XH%20Vi%E1%BB%87t%20Nam&description%C6%AF%E1%BB%9Bc%20t%C3%ADnh%20l%C6%B0%C6%A1ng%20h%C6%B0u%20t%E1%BB%AB%20BHXH.%20Optimal%20claiming%20age%20v%C3%A0%20benefit%20calculation.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Bảo Hiểm XH Việt Nam/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Ước tính lương hưu từ BHXH. Optimal claiming age và benefit calculation./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20Doanh%20Nghi%E1%BB%87p&descriptionThu%E1%BA%BF%20thu%20nh%E1%BA%ADp%20DN%20v%C3%A0%20VAT.%20Kh%E1%BA%A5u%20tr%E1%BB%AB%20thu%E1%BA%BF%20v%C3%A0%20deduction%20optimization.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-briefcase w-7 h-7 aria-hiddentrue>path dM16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16>/path>rect width20 height14 x2 y6 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế Doanh Nghiệp/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thuế thu nhập DN và VAT. Khấu trừ thuế và deduction optimization./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20B%C4%90S&descriptionThu%E1%BA%BF%20chuy%E1%BB%83n%20nh%C6%B0%E1%BB%A3ng%20v%C3%A0%20thu%E1%BA%BF%20s%E1%BB%9F%20h%E1%BB%AFu%20B%C4%90S.%20Tax%20planning%20strategies.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-building w-7 h-7 aria-hiddentrue>path dM12 10h.01>/path>path dM12 14h.01>/path>path dM12 6h.01>/path>path dM16 10h.01>/path>path dM16 14h.01>/path>path dM16 6h.01>/path>path dM8 10h.01>/path>path dM8 14h.01>/path>path dM8 6h.01>/path>path dM9 22v-3a1 1 0 0 1 1-1h4a1 1 0 0 1 1 1v3>/path>rect x4 y2 width16 height20 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế BĐS/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thuế chuyển nhượng và thuế sở hữu BĐS. Tax planning strategies./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Thu%E1%BA%BF%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionCapital%20gains%20tax%2C%20dividend%20tax%2C%20v%C3%A0%20tax-loss%20harvesting%20opportunities%20cho%20c%E1%BB%95%20phi%E1%BA%BFu%2C%20tr%C3%A1i%20phi%E1%BA%BFu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Thuế Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Capital gains tax, dividend tax, và tax-loss harvesting opportunities cho cổ phiếu, trái phiếu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20B%E1%BA%A3o%20Hi%E1%BB%83m%20Khuy%E1%BA%BFt%20T%E1%BA%ADt&descriptionIncome%20replacement%20need%20v%C3%A0%20benefit%20duration%20cho%20disability%20insurance.%20T%C3%ADnh%20ph%C3%AD%20h%C3%A0ng%20th%C3%A1ng%20v%C3%A0%20quy%E1%BB%81n%20l%E1%BB%A3i%20b%E1%BA%A3o%20hi%E1%BB%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Bảo Hiểm Khuyết Tật/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Income replacement need và benefit duration cho disability insurance. Tính phí hàng tháng và quyền lợi bảo hiểm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-coins w-3 h-3 aria-hiddentrue>circle cx8 cy8 r6>/circle>path dM18.09 10.37A6 6 0 1 1 10.34 18>/path>path dM7 6h1v4>/path>path dm16.71 13.88.7.71-2.82 2.82>/path>/svg>span>Lương - Bảo Hiểm - Thuế/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20C%C3%A1c%20Kho%E1%BA%A3n%20Vay&descriptionSo%20s%C3%A1nh%202-4%20kho%E1%BA%A3n%20vay%20c%C3%B9ng%20l%C3%BAc.%20Bi%E1%BB%83u%20%C4%91%E1%BB%93%20tr%E1%BB%B1c%20quan%20chi%20ph%C3%AD%20t%E1%BB%95ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Các Khoản Vay/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 2-4 khoản vay cùng lúc. Biểu đồ trực quan chi phí tổng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%C3%A3i%20Th%E1%BA%BB%20T%C3%ADn%20D%E1%BB%A5ng&descriptionT%C3%ADnh%20th%E1%BB%9Di%20gian%20tr%E1%BA%A3%20h%E1%BA%BFt%20n%E1%BB%A3%20th%E1%BA%BB%20v%C3%A0%20t%E1%BB%95ng%20l%C3%A3i%20ph%E1%BA%A3i%20tr%E1%BA%A3%20khi%20ch%E1%BB%89%20tr%E1%BA%A3%20t%E1%BB%91i%20thi%E1%BB%83u.%20Simulation%20khi%20t%C4%83ng%20s%E1%BB%91%20ti%E1%BB%81n%20tr%E1%BA%A3%20m%E1%BB%97i%20th%C3%A1ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-red-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-credit-card w-7 h-7 aria-hiddentrue>rect width20 height14 x2 y5 rx2>/rect>line x12 x222 y110 y210>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lãi Thẻ Tín Dụng/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính thời gian trả hết nợ thẻ và tổng lãi phải trả khi chỉ trả tối thiểu. Simulation khi tăng số tiền trả mỗi tháng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Tr%E1%BA%A3%20N%E1%BB%A3%20Tr%C6%B0%E1%BB%9Bc%20H%E1%BA%A1n&descriptionT%C3%ADnh%20ti%E1%BA%BFt%20ki%E1%BB%87m%20l%C3%A3i%20v%C3%A0%20th%E1%BB%9Di%20gian%20r%C3%BAt%20ng%E1%BA%AFn%20khi%20tr%E1%BA%A3%20th%C3%AAm.%20So%20s%C3%A1nh%20v%E1%BB%9Bi%20%C4%91%E1%BA%A7u%20t%C6%B0%20s%E1%BB%91%20ti%E1%BB%81n%20%C4%91%C3%B3%20v%C3%A0o%20ch%E1%BB%A9ng%20kho%C3%A1n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-down w-7 h-7 aria-hiddentrue>path dM16 17h6v-6>/path>path dm22 17-8.5-8.5-5 5L2 7>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Trả Nợ Trước Hạn/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính tiết kiệm lãi và thời gian rút ngắn khi trả thêm. So sánh với đầu tư số tiền đó vào chứng khoán./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20Tr%E1%BA%A3%20N%E1%BB%A3%20vs%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionROI%20comparison%3A%20N%C3%AAn%20tr%E1%BA%A3%20n%E1%BB%A3%20nhanh%20hay%20%C4%91%E1%BA%A7u%20t%C6%B0%20s%E1%BB%91%20ti%E1%BB%81n%20th%C3%AAm%20%C4%91%C3%B3%3F%20Khuy%E1%BA%BFn%20ngh%E1%BB%8B%20t%E1%BB%91i%20%C6%B0u%20d%E1%BB%B1a%20tr%C3%AAn%20l%C3%A3i%20su%E1%BA%A5t%20v%C3%A0%20return%20rate.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Trả Nợ vs Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>ROI comparison: Nên trả nợ nhanh hay đầu tư số tiền thêm đó? Khuyến nghị tối ưu dựa trên lãi suất và return rate./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Refinance%20(T%C3%A1i%20C%E1%BA%A5p%20V%E1%BB%91n)&descriptionT%C3%ADnh%20to%C3%A1n%20xem%20c%C3%B3%20n%C3%AAn%20t%C3%A1i%20c%E1%BA%A5p%20v%E1%BB%91n%20kh%C3%B4ng.%20Break-even%20point%20khi%20chuy%E1%BB%83n%20sang%20l%C3%A3i%20su%E1%BA%A5t%20m%E1%BB%9Bi%2C%20chi%20ph%C3%AD%20refinance.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Refinance (Tái Cấp Vốn)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính toán xem có nên tái cấp vốn không. Break-even point khi chuyển sang lãi suất mới, chi phí refinance./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20DSCR%20(Debt%20Service%20Coverage%20Ratio)&descriptionKh%E1%BA%A3%20n%C4%83ng%20tr%E1%BA%A3%20n%E1%BB%A3%20t%E1%BB%AB%20thu%20nh%E1%BA%ADp%20thu%C3%AA.%20Bank%20requirement%20check%20cho%20vay%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0%20(t%E1%BB%91i%20thi%E1%BB%83u%201.25x).>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-percent w-7 h-7 aria-hiddentrue>line x119 x25 y15 y219>/line>circle cx6.5 cy6.5 r2.5>/circle>circle cx17.5 cy17.5 r2.5>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính DSCR (Debt Service Coverage Ratio)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Khả năng trả nợ từ thu nhập thuê. Bank requirement check cho vay BĐS đầu tư (tối thiểu 1.25x)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Tr%E1%BA%A3%20N%E1%BB%A3%20T%C3%B9y%20Ch%E1%BB%89nh&descriptionCho%20ph%C3%A9p%20nh%E1%BA%ADp%20l%E1%BB%8Bch%20tr%E1%BA%A3%20linh%20ho%E1%BA%A1t%20(thay%20%C4%91%E1%BB%95i%20s%E1%BB%91%20ti%E1%BB%81n%20theo%20th%C3%A1ng).%20Visualize%20timeline%20tr%E1%BA%A3%20n%E1%BB%A3%20theo%20k%E1%BA%BF%20ho%E1%BA%A1ch%20ri%C3%AAng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Trả Nợ Tùy Chỉnh/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Cho phép nhập lịch trả linh hoạt (thay đổi số tiền theo tháng). Visualize timeline trả nợ theo kế hoạch riêng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Appreciation%20%26%20Depreciation%20B%C4%90S&descriptionGi%C3%A1%20tr%E1%BB%8B%20t%C4%83ng%2Fgi%E1%BA%A3m%20theo%20n%C4%83m%20d%E1%BB%B1a%20tr%C3%AAn%20historical%20data.%20Tax%20depreciation%20benefit%20cho%20nh%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Appreciation & Depreciation BĐS/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Giá trị tăng/giảm theo năm dựa trên historical data. Tax depreciation benefit cho nhà đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20BRRRR%20Strategy&descriptionBuy-Rehab-Rent-Refinance-Repeat%20simulation.%20Cash-out%20refinance%20v%C3%A0%20scalability%20analysis%20cho%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-purple-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính BRRRR Strategy/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Buy-Rehab-Rent-Refinance-Repeat simulation. Cash-out refinance và scalability analysis cho BĐS đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-3 h-3 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>span>Vay - Nhà - Xe/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20M%E1%BB%A5c%20Ti%C3%AAu%20Ti%E1%BA%BFt%20Ki%E1%BB%87m&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20g%E1%BB%ADi%20h%C3%A0ng%20th%C3%A1ng%20%C4%91%E1%BB%83%20%C4%91%E1%BA%A1t%20m%E1%BB%A5c%20ti%C3%AAu.%20Timeline%20visualization.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-target w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>circle cx12 cy12 r6>/circle>circle cx12 cy12 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Mục Tiêu Tiết Kiệm/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần gửi hàng tháng để đạt mục tiêu. Timeline visualization./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Rule%20of%2072&descriptionTh%E1%BB%9Di%20gian%20nh%C3%A2n%20%C4%91%C3%B4i%20ti%E1%BB%81n%20v%E1%BB%9Bi%20c%C3%A1c%20m%E1%BB%A9c%20l%E1%BB%A3i%20nhu%E1%BA%ADn%20kh%C3%A1c%20nhau.%20Interactive%20visualization%20so%20s%C3%A1nh%20scenarios.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-zap w-7 h-7 aria-hiddentrue>path dM4 14a1 1 0 0 1-.78-1.63l9.9-10.2a.5.5 0 0 1 .86.46l-1.92 6.02A1 1 0 0 0 13 10h7a1 1 0 0 1 .78 1.63l-9.9 10.2a.5.5 0 0 1-.86-.46l1.92-6.02A1 1 0 0 0 11 14z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rule of 72/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Thời gian nhân đôi tiền với các mức lợi nhuận khác nhau. Interactive visualization so sánh scenarios./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%E1%BB%A3i%20Nhu%E1%BA%ADn%20C%E1%BB%95%20Phi%E1%BA%BFu&descriptionT%C3%ADnh%20ROI%2C%20dividend%20yield%2C%20v%C3%A0%20cost%20averaging%20cho%20%C4%91%E1%BA%A7u%20t%C6%B0%20c%E1%BB%95%20phi%E1%BA%BFu.%20H%E1%BB%97%20tr%E1%BB%A3%20c%E1%BA%A3%20VN-Index%20v%C3%A0%20c%E1%BB%95%20phi%E1%BA%BFu%20l%E1%BA%BB.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lợi Nhuận Cổ Phiếu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính ROI, dividend yield, và cost averaging cho đầu tư cổ phiếu. Hỗ trợ cả VN-Index và cổ phiếu lẻ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20XKLK%20Qu%E1%BB%B9%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionT%C3%ADnh%20NAV%20growth%20v%C3%A0%20impact%20c%E1%BB%A7a%20ph%C3%AD%20qu%E1%BA%A3n%20l%C3%BD%20(1-2%25%2Fn%C4%83m)%20%C4%91%E1%BB%91i%20v%E1%BB%9Bi%20l%E1%BB%A3i%20nhu%E1%BA%ADn%20qu%E1%BB%B9%20sau%2010-20%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-briefcase w-7 h-7 aria-hiddentrue>path dM16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16>/path>rect width20 height14 x2 y6 rx2>/rect>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính XKLK Quỹ Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính NAV growth và impact của phí quản lý (1-2%/năm) đối với lợi nhuận quỹ sau 10-20 năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?title%C4%90%C3%A1nh%20Gi%C3%A1%20R%E1%BB%A7i%20Ro%20%C4%90%E1%BA%A7u%20T%C6%B0&description%C4%90%C3%A1nh%20gi%C3%A1%20kh%E1%BA%A3%20n%C4%83ng%20ch%E1%BA%A5p%20nh%E1%BA%ADn%20r%E1%BB%A7i%20ro%20(risk%20tolerance)%20v%C3%A0%20%C4%91%E1%BB%81%20xu%E1%BA%A5t%20ph%C3%A2n%20b%E1%BB%95%20t%C3%A0i%20s%E1%BA%A3n%20ph%C3%B9%20h%E1%BB%A3p%20(stocks%2Fbonds%2Fcash).>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Đánh Giá Rủi Ro Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Đánh giá khả năng chấp nhận rủi ro (risk tolerance) và đề xuất phân bổ tài sản phù hợp (stocks/bonds/cash)./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Dividend%20Reinvestment%20(DRIP)&descriptionCompound%20dividend%20growth%20v%E1%BB%9Bi%20tax-adjusted%20returns.%20So%20s%C3%A1nh%20t%C3%A1i%20%C4%91%E1%BA%A7u%20t%C6%B0%20c%E1%BB%95%20t%E1%BB%A9c%20vs%20r%C3%BAt%20ti%E1%BB%81n%20ti%C3%AAu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-gift w-7 h-7 aria-hiddentrue>rect x3 y8 width18 height4 rx1>/rect>path dM12 8v13>/path>path dM19 12v7a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2v-7>/path>path dM7.5 8a2.5 2.5 0 0 1 0-5A4.8 8 0 0 1 12 8a4.8 8 0 0 1 4.5-5 2.5 2.5 0 0 1 0 5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Dividend Reinvestment (DRIP)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Compound dividend growth với tax-adjusted returns. So sánh tái đầu tư cổ tức vs rút tiền tiêu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleSo%20S%C3%A1nh%20K%E1%BB%8Bch%20B%E1%BA%A3n%20%C4%90%E1%BA%A7u%20T%C6%B0&descriptionSo%20s%C3%A1nh%203-5%20k%E1%BB%8Bch%20b%E1%BA%A3n%20%C4%91%E1%BA%A7u%20t%C6%B0%20song%20song.%20Monte%20Carlo%20simulation%20v%E1%BB%9Bi%2010%2C000%20scenarios%20%C4%91%E1%BB%83%20t%C3%ADnh%20success%20rate.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chart-column w-7 h-7 aria-hiddentrue>path dM3 3v16a2 2 0 0 0 2 2h16>/path>path dM18 17V9>/path>path dM13 17V5>/path>path dM8 17v-3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>So Sánh Kịch Bản Đầu Tư/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 3-5 kịch bản đầu tư song song. Monte Carlo simulation với 10,000 scenarios để tính success rate./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Rebalancing%20Danh%20M%E1%BB%A5c&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20mua%2Fb%C3%A1n%20%C4%91%E1%BB%83%20rebalance%20portfolio%20v%E1%BB%81%20t%E1%BB%B7%20l%E1%BB%87%20m%E1%BB%A5c%20ti%C3%AAu.%20Tax%20implications%20khi%20b%C3%A1n%20l%E1%BB%9Di%2Fl%E1%BB%97.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-scale w-7 h-7 aria-hiddentrue>path dM12 3v18>/path>path dm19 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1>/path>path dm5 8 3 8a5 5 0 0 1-6 0zV7>/path>path dM7 21h10>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rebalancing Danh Mục/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần mua/bán để rebalance portfolio về tỷ lệ mục tiêu. Tax implications khi bán lời/lỗ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Volatility%20%26%20R%E1%BB%A7i%20Ro&descriptionT%C3%ADnh%20Sharpe%20ratio%2C%20Sortino%20ratio%2C%20max%20drawdown%20v%C3%A0%20risk-adjusted%20returns%20cho%20danh%20m%E1%BB%A5c%20%C4%91%E1%BA%A7u%20t%C6%B0.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-red-500 to-orange-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-alert w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>line x112 x212 y18 y212>/line>line x112 x212.01 y116 y216>/line>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Volatility & Rủi Ro/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính Sharpe ratio, Sortino ratio, max drawdown và risk-adjusted returns cho danh mục đầu tư./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20L%E1%BB%99%20Tr%C3%ACnh%20FIRE&descriptionTimeline%20visualization%20t%E1%BB%AB%20hi%E1%BB%87n%20t%E1%BA%A1i%20%C4%91%E1%BA%BFn%20FIRE%20goal.%20DCA%20contribution%20c%E1%BA%A7n%20thi%E1%BA%BFt%20v%C3%A0%20milestone%20tracking%20theo%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-target w-7 h-7 aria-hiddentrue>circle cx12 cy12 r10>/circle>circle cx12 cy12 r6>/circle>circle cx12 cy12 r2>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Lộ Trình FIRE/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Timeline visualization từ hiện tại đến FIRE goal. DCA contribution cần thiết và milestone tracking theo năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Emergency%20Fund%20Chi%20Ti%E1%BA%BFt&description3-6-12%20months%20scenarios%20v%E1%BB%9Bi%20personalized%20recommendation%20d%E1%BB%B1a%20tr%C3%AAn%20job%20stability%20v%C3%A0%20dependents.%20L%E1%BB%99%20tr%C3%ACnh%20ti%E1%BA%BFt%20ki%E1%BB%87m%20qu%E1%BB%B9%20d%E1%BB%B1%20ph%C3%B2ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-7 h-7 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Emergency Fund Chi Tiết/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>3-6-12 months scenarios với personalized recommendation dựa trên job stability và dependents. Lộ trình tiết kiệm quỹ dự phòng./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%201%25%20Rule%20%26%2050%25%20Rule&descriptionScreening%20tool%20cho%20B%C4%90S%20%C4%91%E1%BA%A7u%20t%C6%B0.%20Good%20deal%20checker%20theo%20c%C3%A1c%20quy%20t%E1%BA%AFc%20kinh%20nghi%E1%BB%87m%20c%E1%BB%A7a%20nh%C3%A0%20%C4%91%E1%BA%A7u%20t%C6%B0%20l%C3%A2u%20n%C4%83m.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-house w-7 h-7 aria-hiddentrue>path dM15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8>/path>path dM3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính 1% Rule & 50% Rule/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Screening tool cho BĐS đầu tư. Good deal checker theo các quy tắc kinh nghiệm của nhà đầu tư lâu năm./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-3 h-3 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>span>Đầu Tư - Tiết Kiệm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?title%C4%90%C3%A1nh%20Gi%C3%A1%20R%E1%BB%A7i%20Ro%20T%C3%A0i%20Ch%C3%ADnh%20C%C3%A1%20Nh%C3%A2n&descriptionComprehensive%20risk%20score%20v%C3%A0%20mitigation%20strategies.%20Financial%20resilience%20assessment%20d%E1%BB%B1a%20tr%C3%AAn%20thu%20nh%E1%BA%ADp%2C%20t%C3%A0i%20s%E1%BA%A3n%2C%20n%E1%BB%A3.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-trending-up w-7 h-7 aria-hiddentrue>path dM16 7h6v6>/path>path dm22 7-8.5 8.5-5-5L2 17>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Đánh Giá Rủi Ro Tài Chính Cá Nhân/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Comprehensive risk score và mitigation strategies. Financial resilience assessment dựa trên thu nhập, tài sản, nợ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Y%20T%E1%BA%BF%20Su%E1%BB%91t%20%C4%90%E1%BB%9Di&descriptionAge-based%20projections%20v%C3%A0%20catastrophic%20scenario%20planning%20cho%20healthcare%20costs.%20Bao%20g%E1%BB%93m%20b%E1%BA%A3o%20hi%E1%BB%83m%20y%20t%E1%BA%BF%20v%C3%A0%20chi%20ph%C3%AD%20out-of-pocket.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Y Tế Suốt Đời/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Age-based projections và catastrophic scenario planning cho healthcare costs. Bao gồm bảo hiểm y tế và chi phí out-of-pocket./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-shield w-3 h-3 aria-hiddentrue>path dM20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z>/path>/svg>span>Bảo Vệ - Rủi Ro/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20S%E1%BB%91ng%20Ngh%E1%BB%89%20H%C6%B0u&descriptionInflation-adjusted%20expenses%20v%C3%A0%20healthcare%20cost%20projections%20cho%20th%E1%BB%9Di%20k%E1%BB%B3%20ngh%E1%BB%89%20h%C6%B0u.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-red-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-piggy-bank w-7 h-7 aria-hiddentrue>path dM11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z>/path>path dM16 10h.01>/path>path dM2 8v1a2 2 0 0 0 2 2h1>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Sống Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Inflation-adjusted expenses và healthcare cost projections cho thời kỳ nghỉ hưu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Tu%E1%BB%95i%20Ngh%E1%BB%89%20H%C6%B0u%20T%E1%BB%91i%20%C6%AFu&descriptionBalance%20lifestyle%20vs%20financial%20security.%20Trade-off%20analysis%20cho%20quy%E1%BA%BFt%20%C4%91%E1%BB%8Bnh%20ngh%E1%BB%89%20h%C6%B0u%20s%E1%BB%9Bm%20hay%20mu%E1%BB%99n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tuổi Nghỉ Hưu Tối Ưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Balance lifestyle vs financial security. Trade-off analysis cho quyết định nghỉ hưu sớm hay muộn./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20R%C3%BAt%20Ti%E1%BB%81n%20Ngh%E1%BB%89%20H%C6%B0u&descriptionSo%20s%C3%A1nh%204%25%20rule%2C%20Variable%20Percentage%20withdrawal%2C%20v%C3%A0%20Bucket%20strategy.%20Tax-efficient%20withdrawal%20%C4%91%E1%BB%83%20t%E1%BB%91i%20thi%E1%BB%83u%20h%C3%B3a%20thu%E1%BA%BF.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-emerald-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-dollar-sign w-7 h-7 aria-hiddentrue>line x112 x212 y12 y222>/line>path dM17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Rút Tiền Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>So sánh 4% rule, Variable Percentage withdrawal, và Bucket strategy. Tax-efficient withdrawal để tối thiểu hóa thuế./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20K%E1%BB%8Bch%20B%E1%BA%A3n%20Ngh%E1%BB%89%20H%C6%B0u&descriptionMonte%20Carlo%20simulation%20v%E1%BB%9Bi%2010%2C000%20runs.%20Success%20rate%20visualization%20cho%20retirement%20plan%20theo%20c%C3%A1c%20scenarios%20th%E1%BB%8B%20tr%C6%B0%E1%BB%9Dng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-green-500 to-teal-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chart-column w-7 h-7 aria-hiddentrue>path dM3 3v16a2 2 0 0 0 2 2h16>/path>path dM18 17V9>/path>path dM13 17V5>/path>path dM8 17v-3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Kịch Bản Nghỉ Hưu/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Monte Carlo simulation với 10,000 runs. Success rate visualization cho retirement plan theo các scenarios thị trường./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20RMD%20(Required%20Minimum%20Distribution)&descriptionS%E1%BB%91%20ti%E1%BB%81n%20r%C3%BAt%20t%E1%BB%91i%20thi%E1%BB%83u%20t%E1%BB%AB%20retirement%20accounts%20sau%2072%20tu%E1%BB%95i.%20Tax%20planning%20implications%20cho%20ng%C6%B0%E1%BB%9Di%20VN%20c%C3%B3%20t%C3%A0i%20kho%E1%BA%A3n%20%E1%BB%9F%20n%C6%B0%E1%BB%9Bc%20ngo%C3%A0i.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-calculator w-7 h-7 aria-hiddentrue>rect width16 height20 x4 y2 rx2>/rect>line x18 x216 y16 y26>/line>line x116 x216 y114 y218>/line>path dM16 10h.01>/path>path dM12 10h.01>/path>path dM8 10h.01>/path>path dM12 14h.01>/path>path dM8 14h.01>/path>path dM12 18h.01>/path>path dM8 18h.01>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính RMD (Required Minimum Distribution)/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Số tiền rút tối thiểu từ retirement accounts sau 72 tuổi. Tax planning implications cho người VN có tài khoản ở nước ngoài./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Roth%20Conversion&descriptionTax%20impact%20analysis%20v%C3%A0%20long-term%20benefit%20c%E1%BB%A7a%20Roth%20IRA%20conversion.%20Optimization%20strategy%20cho%20ng%C6%B0%E1%BB%9Di%20c%C3%B3%20thu%20nh%E1%BA%ADp%20bi%E1%BA%BFn%20%C4%91%E1%BB%99ng.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-indigo-500 to-blue-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-repeat w-7 h-7 aria-hiddentrue>path dm17 2 4 4-4 4>/path>path dM3 11v-1a4 4 0 0 1 4-4h14>/path>path dm7 22-4-4 4-4>/path>path dM21 13v1a4 4 0 0 1-4 4H3>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Roth Conversion/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tax impact analysis và long-term benefit của Roth IRA conversion. Optimization strategy cho người có thu nhập biến động./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-flame w-3 h-3 aria-hiddentrue>path dM12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4>/path>/svg>span>FIRE - Nghỉ Hưu Sớm/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Nu%C3%B4i%20Con&descriptionAge-based%20projections%20t%E1%BB%AB%200-18%20tu%E1%BB%95i%20v%E1%BB%9Bi%20breakdown%20chi%20ti%E1%BA%BFt%3A%20childcare%20(15M-25M%2Fth%C3%A1ng)%2C%20education%20(s%E1%BB%AFa%2C%20t%C3%A3%2C%20tr%C6%B0%E1%BB%9Dng%20h%E1%BB%8Dc)%2C%20healthcare%20(kh%C3%A1m%20b%E1%BB%87nh%20%C4%91%E1%BB%8Bnh%20k%E1%BB%B3%2C%20vaccine)%2C%20extracurricular%20activities%20(th%E1%BB%83%20thao%2C%20ngh%E1%BB%87%20thu%E1%BA%ADt).%20Inflation%20adjustment%203-4%25%2Fn%C4%83m%20cho%20d%E1%BB%B1%20b%C3%A1o%20d%C3%A0i%20h%E1%BA%A1n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-pink-500 to-rose-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Nuôi Con/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Age-based projections từ 0-18 tuổi với breakdown chi tiết: childcare (15M-25M/tháng), education (sữa, tã, trường học), healthcare (khám bệnh định kỳ, vaccine), extracurricular activities (thể thao, nghệ thuật). Inflation adjustment 3-4%/năm cho dự báo dài hạn./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-slate-100 dark:bg-slate-700 text-slate-700 dark:text-slate-200>Chẩn đoán/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleK%E1%BA%BF%20Ho%E1%BA%A1ch%20Ti%E1%BA%BFt%20Ki%E1%BB%87m%20H%E1%BB%8Dc%20Ph%C3%AD&descriptionT%C3%ADnh%20s%E1%BB%91%20ti%E1%BB%81n%20c%E1%BA%A7n%20ti%E1%BA%BFt%20ki%E1%BB%87m%20cho%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20(4-5%20n%C4%83m).%20So%20s%C3%A1nh%20chi%20ph%C3%AD%3A%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20c%C3%B4ng%20l%E1%BA%ADp%20VN%20(10-30M%2Fn%C4%83m)%2C%20%C4%91%E1%BA%A1i%20h%E1%BB%8Dc%20t%C6%B0%20th%E1%BB%A5c%20VN%20(50-150M%2Fn%C4%83m)%2C%20du%20h%E1%BB%8Dc%20M%E1%BB%B9%2F%C3%9Ac%20(%2430-50K%2Fn%C4%83m).%20Monthly%20contribution%20c%E1%BA%A7n%20thi%E1%BA%BFt%20v%C3%A0%20investment%20strategy%20%C4%91%E1%BB%83%20%C4%91%E1%BA%A1t%20m%E1%BB%A5c%20ti%C3%AAu.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-blue-500 to-indigo-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-graduation-cap w-7 h-7 aria-hiddentrue>path dM21.42 10.922a1 1 0 0 0-.019-1.838L12.83 5.18a2 2 0 0 0-1.66 0L2.6 9.08a1 1 0 0 0 0 1.832l8.57 3.908a2 2 0 0 0 1.66 0z>/path>path dM22 10v6>/path>path dM6 12.5V16a6 3 0 0 0 12 0v-3.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Kế Hoạch Tiết Kiệm Học Phí/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Tính số tiền cần tiết kiệm cho đại học (4-5 năm). So sánh chi phí: đại học công lập VN (10-30M/năm), đại học tư thục VN (50-150M/năm), du học Mỹ/Úc ($30-50K/năm). Monthly contribution cần thiết và investment strategy để đạt mục tiêu./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Ti%E1%BB%81n%20Th%E1%BB%ABa%20K%E1%BA%BF%20%26%20Qu%C3%A0%20T%E1%BA%B7ng&descriptionEstate%20planning%20v%C3%A0%20gift%20tax%20implications.%20T%C3%ADnh%20to%C3%A1n%20ph%C3%A2n%20chia%20t%C3%A0i%20s%E1%BA%A3n%20c%C3%B4ng%20b%E1%BA%B1ng%20cho%20con%20c%C3%A1i.%20Trust%20fund%20planning%20v%C3%A0%20generational%20wealth%20transfer%20strategies%20cho%20gia%20%C4%91%C3%ACnh%20%C4%91a%20th%E1%BA%BF%20h%E1%BB%87.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-purple-500 to-pink-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-gift w-7 h-7 aria-hiddentrue>rect x3 y8 width18 height4 rx1>/rect>path dM12 8v13>/path>path dM19 12v7a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2v-7>/path>path dM7.5 8a2.5 2.5 0 0 1 0-5A4.8 8 0 0 1 12 8a4.8 8 0 0 1 4.5-5 2.5 2.5 0 0 1 0 5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Tiền Thừa Kế & Quà Tặng/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Estate planning và gift tax implications. Tính toán phân chia tài sản công bằng cho con cái. Trust fund planning và generational wealth transfer strategies cho gia đình đa thế hệ./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleM%C3%B4%20Ph%E1%BB%8Fng%20Chi%20Ph%C3%AD%20C%C6%B0%E1%BB%9Bi&descriptionBudget%20breakdown%20cho%20%C4%91%C3%A1m%20c%C6%B0%E1%BB%9Bi%3A%20venue%20(100-500M)%2C%20catering%20(2-5M%2Fb%C3%A0n)%2C%20photography%2Fvideography%20(20-80M)%2C%20trang%20s%E1%BB%A9c%20(50-200M%20SJC).%20Financing%20options%3A%20ti%E1%BA%BFt%20ki%E1%BB%87m%2C%20vay%20c%C3%A1%20nh%C3%A2n%2C%20hay%20family%20contribution.%20ROI%20analysis%20cho%20%C4%91%E1%BA%A7u%20t%C6%B0%20v%C3%A0o%20ng%C3%A0y%20tr%E1%BB%8Dng%20%C4%91%E1%BA%A1i.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-pink-500 to-rose-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Mô Phỏng Chi Phí Cưới/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Budget breakdown cho đám cưới: venue (100-500M), catering (2-5M/bàn), photography/videography (20-80M), trang sức (50-200M SJC). Financing options: tiết kiệm, vay cá nhân, hay family contribution. ROI analysis cho đầu tư vào ngày trọng đại./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-purple-100 dark:bg-purple-900/30 text-purple-700 dark:text-purple-300>Mô phỏng/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20Chi%20Ph%C3%AD%20Ch%C4%83m%20S%C3%B3c%20Ng%C6%B0%E1%BB%9Di%20Gi%C3%A0&descriptionLong-term%20care%20cost%20planning%20cho%20b%E1%BB%91%20m%E1%BA%B9%20gi%C3%A0.%20Chi%20ph%C3%AD%20nursing%20home%20(15-40M%2Fth%C3%A1ng)%2C%20home%20care%20(8-20M%2Fth%C3%A1ng)%2C%20medical%20expenses.%20Insurance%20options%20v%C3%A0%20family%20financial%20impact%20analysis%20khi%20ph%E1%BA%A3i%20ch%C4%83m%20s%C3%B3c%20ng%C6%B0%E1%BB%9Di%20th%C3%A2n.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-teal-500 to-cyan-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-heart w-7 h-7 aria-hiddentrue>path dM2 9.5a5.5 5.5 0 0 1 9.591-3.676.56.56 0 0 0 .818 0A5.49 5.49 0 0 1 22 9.5c0 2.29-1.5 4-3 5.5l-5.492 5.313a2 2 0 0 1-3 .019L5 15c-1.5-1.5-3-3.2-3-5.5>/path>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Chi Phí Chăm Sóc Người Già/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Long-term care cost planning cho bố mẹ già. Chi phí nursing home (15-40M/tháng), home care (8-20M/tháng), medical expenses. Insurance options và family financial impact analysis khi phải chăm sóc người thân./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-blue-100 dark:bg-blue-900/30 text-blue-700 dark:text-blue-300>Lập kế hoạch/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>a classgroup relative bg-white dark:bg-slate-800 rounded-xl shadow-md p-5 transition-all duration-300 hover:shadow-xl hover:-translate-y-1 cursor-pointer overflow-hidden href/cong-cu/coming-soon?titleT%C3%ADnh%20L%E1%BB%A3i%20%C3%8Dch%20C%C3%B3%20Con%20S%E1%BB%9Bm%20vs%20Mu%E1%BB%99n&descriptionFinancial%20%26%20lifestyle%20trade-offs%20khi%20c%C3%B3%20con%20%E1%BB%9F%20tu%E1%BB%95i%2025-30%20vs%2035-40.%20Career%20impact%2C%20retirement%20timeline%2C%20generational%20wealth%20transfer%2C%20v%C3%A0%20health%20cost%20projections.%20Total%20lifetime%20cost%20comparison%20%C4%91%E1%BB%83%20h%E1%BB%97%20tr%E1%BB%A3%20quy%E1%BA%BFt%20%C4%91%E1%BB%8Bnh%20family%20planning.>div classabsolute inset-0 bg-gradient-to-r from-transparent via-white/10 to-transparent -translate-x-full group-hover:translate-x-full transition-transform duration-700>/div>div classabsolute top-3 right-3 flex flex-col gap-1 items-end z-10>div classbg-yellow-100 dark:bg-yellow-900 text-yellow-800 dark:text-yellow-200 text-xs font-semibold px-2 py-1 rounded-full>Sắp ra mắt/div>/div>div classw-14 h-14 rounded-lg bg-gradient-to-br from-orange-500 to-amber-600 flex items-center justify-center text-white mb-3 group-hover:scale-110 transition-transform>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-clock w-7 h-7 aria-hiddentrue>path dM12 6v6l4 2>/path>circle cx12 cy12 r10>/circle>/svg>/div>h3 classtext-base font-bold text-gray-900 dark:text-white mb-2 line-clamp-2>Tính Lợi Ích Có Con Sớm vs Muộn/h3>p classtext-gray-600 dark:text-slate-400 text-xs mb-3 line-clamp-2>Financial & lifestyle trade-offs khi có con ở tuổi 25-30 vs 35-40. Career impact, retirement timeline, generational wealth transfer, và health cost projections. Total lifetime cost comparison để hỗ trợ quyết định family planning./p>div classmb-2>span classinline-flex items-center gap-1 text-xs bg-gray-100 dark:bg-slate-700 text-gray-700 dark:text-slate-200 px-2 py-0.5 rounded-full mr-2>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-baby w-3 h-3 aria-hiddentrue>path dM10 16c.5.3 1.2.5 2 .5s1.5-.2 2-.5>/path>path dM15 12h.01>/path>path dM19.38 6.813A9 9 0 0 1 20.8 10.2a2 2 0 0 1 0 3.6 9 9 0 0 1-17.6 0 2 2 0 0 1 0-3.6A9 9 0 0 1 12 3c2 0 3.5 1.1 3.5 2.5s-.9 2.5-2 2.5c-.8 0-1.5-.4-1.5-1>/path>path dM9 12h.01>/path>/svg>span>Gia Đình - Giáo Dục/span>/span>span classinline-flex items-center text-xs px-2 py-0.5 rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300>So sánh/span>/div>div classflex items-center text-blue-600 dark:text-blue-400 font-medium text-sm>Xem thêmsvg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-arrow-right w-3.5 h-3.5 ml-1 group-hover:translate-x-1 transition-transform aria-hiddentrue>path dM5 12h14>/path>path dm12 5 7 7-7 7>/path>/svg>/div>/a>/div>/section>/main>/div>section classmx-4 mb-8 rounded-2xl border border-slate-200 bg-white/90 p-5 shadow-sm dark:border-slate-700 dark:bg-slate-800/60 md:mx-6 md:p-6>header classmb-4 md:mb-5>h2 classtext-xl font-bold text-slate-900 dark:text-slate-100>Lộ trình dùng công cụ theo mục tiêu/h2>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Chọn cụm nhu cầu để đi nhanh đến các máy tính liên quan và tăng hiệu quả lập kế hoạch tài chính./p>/header>div classgrid grid-cols-1 gap-4 md:grid-cols-2>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Bắt đầu quản lý tài chính cá nhân/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Nhóm công cụ nền tảng để kiểm tra thu nhập thực nhận, quỹ an toàn và sức khỏe tài chính./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-luong-gross-net>→ !-- -->Tính lương Gross ↔ Net/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-quy-du-phong>→ !-- -->Tính quỹ dự phòng/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/diem-suc-khoe-tai-chinh>→ !-- -->Điểm sức khỏe tài chính/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Quản lý nợ và các quyết định vay lớn/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Dùng khi cần ra quyết định vay mua xe, mua nhà hoặc tối ưu kế hoạch trả nợ./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-ty-le-no-an-toan>→ !-- -->Tỷ lệ nợ an toàn (DTI)/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/chien-luoc-tra-no>→ !-- -->Chiến lược trả nợ/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-tien-vay-mua-xe>→ !-- -->Tính tiền vay mua xe/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Tích lũy và đầu tư dài hạn/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>So sánh các lựa chọn đầu tư phổ biến: DCA, vàng và ngoại tệ để đa dạng hóa danh mục./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-dau-tu-dinh-ky-dca>→ !-- -->Đầu tư định kỳ DCA/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/gia-vang>→ !-- -->Tra cứu giá vàng/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/currency-calculator>→ !-- -->Tỷ giá ngoại tệ/a>/li>/ul>/article>article classrounded-xl border border-slate-200 p-4 dark:border-slate-700>h3 classtext-base font-semibold text-slate-900 dark:text-slate-100>Lập kế hoạch nghỉ hưu sớm/h3>p classmt-1 text-sm text-slate-600 dark:text-slate-300>Bộ công cụ cho mục tiêu tự do tài chính: xác định FIRE number và cân bằng nhà ở theo dòng tiền./p>ul classmt-3 space-y-2>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-fire-nghi-huu-som>→ !-- -->FIRE Calculator/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/so-sanh-mua-nha-vs-thue-nha>→ !-- -->So sánh mua nhà vs thuê nhà/a>/li>li>a classinline-flex min-h-40px items-center text-sm font-medium text-blue-700 hover:underline dark:text-blue-300 href/tinh-quy-du-phong>→ !-- -->Quỹ dự phòng khẩn cấp/a>/li>/ul>/article>/div>/section>section classmt-16 mb-8 px-4>div classmax-w-4xl mx-auto>div classtext-center mb-8>div classinline-flex items-center justify-center w-12 h-12 rounded-full bg-gradient-to-br from-blue-500 to-purple-600 text-white mb-4>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-circle-question-mark w-6 h-6 aria-hiddentrue>circle cx12 cy12 r10>/circle>path dM9.09 9a3 3 0 0 1 5.83 1c0 2-3 3-3 3>/path>path dM12 17h.01>/path>/svg>/div>h2 classtext-2xl sm:text-3xl font-bold text-gray-900 dark:text-white mb-2>❓ Câu Hỏi Thường Gặp/h2>p classtext-gray-600 dark:text-slate-400>Tìm hiểu thêm về các công cụ tài chính và cách sử dụng/p>/div>div classspace-y-3>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Tại sao nên sử dụng công cụ tài chính online?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Công cụ nào phù hợp với tôi?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Các công cụ có chính xác không?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>div classbg-white dark:bg-slate-800 rounded-xl shadow-md overflow-hidden transition-all duration-300>button classw-full px-6 py-4 flex items-center justify-between text-left hover:bg-gray-50 dark:hover:bg-slate-700 transition-colors aria-expandedfalse>span classfont-bold text-gray-900 dark:text-white pr-4>Tôi cần đăng ký tài khoản không?/span>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-chevron-down w-5 h-5 text-gray-400 flex-shrink-0 aria-hiddentrue>path dm6 9 6 6 6-6>/path>/svg>/button>/div>/div>div classmt-8 p-6 bg-gradient-to-br from-blue-50 to-purple-50 dark:from-slate-800 dark:to-slate-700 rounded-xl border-2 border-blue-200 dark:border-blue-700>div classtext-center mb-4>div classinline-flex items-center justify-center w-12 h-12 rounded-full bg-gradient-to-br from-orange-500 to-red-500 text-white mb-3>svg xmlnshttp://www.w3.org/2000/svg width24 height24 viewBox0 0 24 24 fillnone strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround classlucide lucide-sparkles w-6 h-6 aria-hiddentrue>path dM11.017 2.814a1 1 0 0 1 1.966 0l1.051 5.558a2 2 0 0 0 1.594 1.594l5.558 1.051a1 1 0 0 1 0 1.966l-5.558 1.051a2 2 0 0 0-1.594 1.594l-1.051 5.558a1 1 0 0 1-1.966 0l-1.051-5.558a2 2 0 0 0-1.594-1.594l-5.558-1.051a1 1 0 0 1 0-1.966l5.558-1.051a2 2 0 0 0 1.594-1.594z>/path>path dM20 2v4>/path>path dM22 4h-4>/path>circle cx4 cy20 r2>/circle>/svg>/div>h3 classtext-lg font-bold text-gray-900 dark:text-white mb-2>Bạn cần công cụ tài chính nào khác?/h3>p classtext-gray-600 dark:text-slate-400 text-sm>Đề xuất công cụ mới hoặc gửi câu hỏi của bạn cho chúng tôi/p>/div>div classflex flex-col sm:flex-row gap-3 justify-center>button classinline-flex items-center justify-center gap-2 bg-gradient-to-r from-blue-600 to-purple-600 text-white px-6 py-3 rounded-lg font-semibold hover:shadow-lg 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