🇻🇳 Built for Vietnamese-Americans

Your Money.
Your Future.

Free financial tools to help you understand your money — no jargon, no judgment.

Công cụ tài chính miễn phí cho cộng đồng người Việt
Free Calculators
Free ✓
💳

Debt Payoff

See exactly how extra payments save you time and money.

Tính thời gian trả nợ
Use Calculator →
Free ✓
🏠

Home Affordability

Find out how much house you can actually afford in the Inland Empire.

Mua nhà được bao nhiêu tiền?
Use Calculator →
Free ✓
🌴

Retirement Savings

How much do you need to save to retire comfortably?

Cần tiết kiệm bao nhiêu để về hưu?
Use Calculator →
Free ✓
🛡️

Emergency Fund

Calculate the right emergency fund for your family.

Cần để dành bao nhiêu tiền dự phòng?
Use Calculator →
Free ✓
📊

Net Worth Snapshot

Get a clear picture of where you stand financially today.

Tài sản thực của bạn là bao nhiêu?
Use Calculator →
Coming Soon
📈

Investment Growth

See how your investments grow over time with compound interest.

Tiền đầu tư tăng trưởng như thế nào?
Coming Soon
Ian Leong
CPA CFP® Candidate Ontario, CA JuJubes LLC
Most people work hard their whole lives but never get a clear picture of where their money is going — or where it could go.

I help Vietnamese-American families in the Inland Empire take control of their finances. No jargon. No judgment. Just clarity and a plan we build together.
Book Free 30-Min Session →
misomoney.com · Freedom by Design
Debt Payoff Calculator
See how extra payments save you time and money
Current Balance $10,000
Annual Interest Rate (APR) 19.99%
Monthly Payment $300
+ Extra Monthly Payment +$0
Without extra payment
—
to pay off
Total interest
—
With extra payment
—
to pay off
Total interest
—
You Save
—
faster payoff
—
less interest
Monthly breakdown First 12 months
Mo Interest Principal Balance
🇻🇳 Trả thêm ngay tháng đầu tiên
Start extra payments in month 1 — not month 3
Every month you wait costs more in interest. The math is unforgiving.
🇻🇳 Avalanche method = tiết kiệm nhất
Pay highest interest rate debt first
Vietnamese families often have multiple cards. Always attack the highest APR first.
🇻🇳 Tax refund → trả nợ, không phải mua sắm
Use your tax refund to kill debt
Average refund is $2,400+. One lump sum crushes months of interest.
🇻🇳 Đừng chỉ trả minimum payment
Minimum payment is a trap
On $10k at 20% APR, minimums take 28 years. Extra $100/mo = 7 years.
Want a personalized plan?
Ian Leong, CPA · CFP® Candidate · JuJubes LLC
Book Free 30-Min Session →
misomoney.com · Free, no obligation
Home Affordability
How much house can you afford?
Annual Household Income $80,000
Monthly Debt Payments $500
Down Payment $40,000
Mortgage Interest Rate 7.00%
Max Home Price
—
based on 28% front-end ratio
Monthly Mortgage
—
principal + interest
🇻🇳 Inland Empire tip
Ontario, Riverside, San Bernardino — more affordable than LA
Median home price in Ontario CA is ~$550k. Work on DTI ratio and credit score first.
Ready to plan your home purchase?
Ian Leong, CPA · CFP® Candidate · JuJubes LLC
Book Free 30-Min Session →
misomoney.com
Retirement Savings
How much do you need to retire?
Current Age40
Retirement Age65
Current Savings$50,000
Monthly Contribution$500
Desired Monthly Retirement Income$4,000
Projected at Retirement
—
in X years
You Need
—
25x annual expenses (4% rule)
📊
Calculating...
Let's build your retirement plan
Ian Leong, CPA · CFP® Candidate · JuJubes LLC
Book Free 30-Min Session →
misomoney.com
Emergency Fund
How much should you save?
Monthly Essential Expenses$3,500
Job StabilityStable
Unstable Stable Very Stable
Dependents (kids, parents...)1
Current Emergency Savings$5,000
Recommended Fund
—
— months of expenses
Gap to Fill
—
still needed
🇻🇳 Nhiều gia đình Việt bỏ qua cái này
Vietnamese families often skip the emergency fund
Cultural tendency to rely on family in emergencies. But building your own fund protects your relationships AND your finances.
🇻🇳 Để tiền ở đâu?
Use a High Yield Savings Account (HYSA)
Marcus, Ally, or SoFi — currently 4-5% APY. Your emergency fund should earn money too.
Build your financial foundation
Ian Leong, CPA · CFP® Candidate · JuJubes LLC
Book Free 30-Min Session →
misomoney.com
Net Worth Snapshot
What is your financial picture today?
Assets (What You Own)
Liabilities (What You Owe)
Your Net Worth
$0
🇻🇳 Net worth trung bình ở tuổi 40?
Median net worth at 40 in the US is ~$135,000
Don't compare — focus on your trajectory. Are you trending up? That's what matters.
🇻🇳 Nhà không phải là tài sản duy nhất
Your home is an asset — but so is your 401k
Many Vietnamese families pour everything into real estate. Diversification protects against downturns.
Want to grow your net worth faster?
Ian Leong, CPA · CFP® Candidate · JuJubes LLC
Book Free 30-Min Session →
misomoney.com