Quick calculators for everyday money decisions
Four simple tools to help you budget, save, and borrow more clearly. No sign-up needed. All figures stay on your device.
01
Budget calculator
Enter your monthly take-home pay and adjust each share to match your real life. The bar shows where every naira goes.
Your monthly plan
- Housing / rent₦75,000
- Food & groceries₦50,000
- Transport₦25,000
- Utilities & data₦20,000
- Savings₦37,500
- Family & others₦25,000
Left unallocated
₦17,500
02
Emergency fund calculator
Find out how much you need as a safety net, based on what you must spend each month to keep life running.
Rent, food, transport, utilities, school fees, loan repayments.
Your emergency fund target
Target amount
₦450,000
Still to save
₦450,000
Time to reach your target
18 months (1.5 yrs)
03
Savings goal calculator
Set a target and a deadline. See exactly how much to put aside each month to get there.
Rent, school fees, a laptop, a wedding, a business start-up.
Your savings plan
Save each month
₦83,333
Amount still to save
₦1,000,000
Interest earned along the way
₦0
Timeframe
12 months
04
Loan calculator
See your monthly repayment and the total interest before you borrow. Compare flat-rate and reducing-balance loans side by side.
Your loan breakdown
Monthly repayment
₦48,744
Total repayment
₦584,923
Total interest paid
₦84,923
At the same quoted rate, a flat-rate loan would cost ₦65,077 more in interest. Always ask a lender which method they use.