Why Does Everyone Feel 'Price Inflation' Differently?
Look at the detailed expense category breakdown in VNIT's tool. You'll see very different numbers:
Y tế & Giáo dục
Healthcare & Education: Often have very high price increases (over 10%/year) and rarely decrease. If you have young children or elderly to care for, your inflation will be higher than average.
Công nghệ & Đi lại
Technology & Transportation: Sometimes tend to decrease in price or increase more slowly.
Thực phẩm
Food: Strong seasonal fluctuations and directly affect your daily meals.
How Much Salary Increase Do You Need?
The 'Financial Recommendations' section at the end of the results table is the most important number you need to pay attention to.
How Much Salary Increase Do You Need?
"If the tool calculates your personal inflation is 3.57%, that means: For next year you can still buy the same amount of meat, fish, vegetables, medicine... as this year, your salary MUST increase at least 3.57%."
If your boss only increases salary by 2%, you're actually getting a 1.57% pay cut in purchasing power. Use Net Salary Calculator to negotiate salary more effectively.
Reliable Data Source
Reliable Data Source
Unlike vague estimation tools, VNIT allows you to integrate official CPI data from the General Statistics Office (GSO). Combined with your actual spending structure, the results will be the most honest reflection of the financial pressure you're facing.
Protect Assets Against Inflation
Frequently Asked Questions
💡How is personal inflation different from CPI?
CPI (Consumer Price Index) is calculated on a basket of goods representative of the entire population. Personal inflation is calculated on exactly what YOU spend. For example: If you frequently visit hospitals, healthcare inflation (often over 10%) will affect you more than the general CPI number.
💰How much salary increase is needed to offset inflation?
To maintain the same standard of living, your annual net salary increase must be at least equal to your personal inflation rate. If your inflation is 4% but salary only increases 3%, you're actually getting 'poorer'.
🛡️How to protect assets against inflation?
You need to invest in assets with growth rates higher than the inflation rate (such as Stocks, Real Estate, Gold). Keeping too much cash or saving at low interest rates during high inflation periods will cause assets to 'evaporate' in real value.