Tiền lương và tiền tiết kiệm ở trong tài khoản.

Because each noun phrase is being stated fully:

• tiền lương = salary, wages
• tiền tiết kiệm = savings, saved money

In Vietnamese, it is very normal to repeat a word like tiền when two separate money-related things are joined by và. It makes the structure clear and balanced.

You may sometimes hear a shorter version like lương và tiền tiết kiệm, but the full version with tiền repeated sounds perfectly natural.

Tiền lương refers to money earned from work: salary, wages, or pay.

A few related words:

• lương = salary/pay
• tiền lương = salary money, wages
• lương tháng = monthly salary

In many contexts, lương by itself is enough. Adding tiền makes the meaning very explicit and emphasizes that this is money.

Yes, in this sentence it means savings or money saved.

Breakdown:

• tiết kiệm = to save, to economize
• tiền tiết kiệm = saved money, savings

So tiền tiết kiệm is a noun phrase referring to money that has been set aside.

Yes. Và is the standard word for and in Vietnamese.

So:

• tiền lương và tiền tiết kiệm = salary and savings

It is used to connect nouns, noun phrases, and sometimes clauses.

Vietnamese often does not use a verb equivalent to English to be in the same way English does.

In this sentence, the idea of location is expressed with ở trong:

• ở = to be at, to stay at, located at
• trong = inside

So ở trong tài khoản means are in the account or are inside the account.

English needs are, but Vietnamese can express the idea without a separate verb like English does.

This is a very common question.

• ở often marks location: at / in / located at
• trong means inside / in
• ở trong combines them and gives a stronger sense of being inside something

So:

• ở tài khoản would sound odd here
• trong tài khoản = in the account
• ở trong tài khoản = inside the account, in the account

In many everyday cases, trong tài khoản and ở trong tài khoản are both possible, but ở trong can sound a little more explicit.

Tài khoản means account. By itself, it can refer to different kinds of accounts depending on context:

• bank account
• online account
• user account
• social media account

In this sentence, because we are talking about salary and savings, the natural interpretation is bank account.

If you want to make that completely clear, you could say:

• tài khoản ngân hàng = bank account

That is normal Vietnamese word order.

A common pattern is:

• subject/topic + location

So here:

• Tiền lương và tiền tiết kiệm = the salary and savings
• ở trong tài khoản = are in the account

Putting the location at the end is very natural, just like saying:

• Cuốn sách ở trên bàn. = The book is on the table.

Yes, in some contexts you can hear that, especially in shorter or more compressed styles. But ở trong tài khoản is clearer as a full location phrase.

Compare:

• trong tài khoản = in the account
• ở trong tài khoản = located in the account

For a learner, ở trong tài khoản is a very safe and understandable form.

No. Vietnamese does not use articles the way English does.

So tài khoản can mean:

• an account
• the account
• a bank account
• the bank account

The exact meaning depends on context.

That is why the sentence can be translated in different ways depending on the situation, even though the Vietnamese itself stays the same.

It is understandable and grammatically fine, but depending on context, a native speaker might choose a slightly more natural version such as:

• Tiền lương và tiền tiết kiệm nằm trong tài khoản.
• Lương và tiền tiết kiệm ở trong tài khoản.
• Tiền lương và tiền tiết kiệm đều ở trong tài khoản.

A small note:

• nằm trong can sound a bit more natural for something being contained in a place, especially in written or explanatory language.
• đều adds the meaning both.

Still, your original sentence is perfectly understandable.

A learner may want to watch these carefully:

• tiền — falling tone on tiền
• lương — level tone
• và — falling tone
• tiết — sharp rising/glottalized tone
• kiệm — heavy low tone
• ở — broken rising tone
• trong — level tone
• tài — rising tone
• khoản — broken rising tone

The tones matter a lot in Vietnamese, so it helps to practice the sentence in chunks:

• tiền lương
• và tiền tiết kiệm
• ở trong tài khoản

Yes. Together they form a compound subject joined by và:

• tiền lương
  • và
    • tiền tiết kiệm

In English, you would usually say salary and savings are...
In Vietnamese, there is no verb change for singular or plural, so the sentence looks the same regardless. There is no equivalent of English is/are agreement to worry about here.