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37 financial calculators
Savings, retirement, tax, margin and dividends — run any of them in the browser. Results are illustrations, not advice.
Saving & investing
16 calculators
Savings
Estimate returns on periodic savings with Nigerian money market rates.
Money Market
Estimate gross and net returns on Nigerian money market fund investments, including 10% withholding tax.
Step-Up Savings
See how annual salary increments boost your long-term wealth.
Loan/Mortgage EMI
Calculate monthly repayments on loans at Nigerian interest rates.
Loan Repayment
Estimate monthly repayments, total interest, and overpayment savings.
Systematic Withdrawal
Plan periodic withdrawals from your investment corpus.
Retirement
Estimate the corpus you need for a comfortable retirement in Nigeria.
FIRE
Calculate your Financial Independence number — Lean, Standard, and Fat FIRE — and see how many years to retire early in Nigeria.
Pension (RSA)
Project your RSA balance based on CPS employer and employee contributions.
Systematic Transfer
Model transfers between Nigerian fund types over time.
Inflation Savings
Compare nominal vs real returns accounting for Nigerian inflation.
Inflation Retirement
See how inflation erodes your retirement corpus over time.
Investment Forecast
Project future portfolio value year by year with lump sum, monthly contributions, and inflation-adjusted real returns.
Stocks and Shares
Calculate capital gain, dividend income, total return, and annualised CAGR on any stock investment.
Dividend Yield
Estimate dividend income, reinvestment growth, and total returns on Nigerian stocks.
Profit Margin
Calculate gross profit margin, net profit margin, and markup percentage from revenue and cost figures.
NGX trading
3 calculators
Tax & planning
10 calculators
Income Tax Calculator (PITA)
Calculate your Nigerian Personal Income Tax from your salary and see how RSA pension contributions reduce your PITA bill.
Pension Tax Relief
See how much PITA you save by making voluntary RSA contributions — calculate the true net cost of boosting your pension.
Pension Comparison
Compare your RSA balance against age-based benchmarks to see if your Nigerian pension is on track and how much to top up.
Longevity
Estimate how long you might live based on Nigerian health data and lifestyle factors — plan how many years of retirement income you need.
Annuity vs Programmed Withdrawal
Compare PENCOM's two retirement income options — fixed annuity vs programmed withdrawal — and see which gives you more monthly income.
Compound Interest
See exactly how your money grows with daily, monthly, quarterly or annual compounding. Includes year-by-year table and Effective Annual Rate.
Inflation
Calculate the real impact of Nigerian inflation on your purchasing power. Find future costs or how much you need to save today.
Household Budget Planner
Enter your income and all expenses in Naira across Nigerian-specific categories — rent, NEPA, generator, school fees — and instantly see your surplus or deficit.
Inheritance Tax
Nigeria has no federal inheritance tax. Estimate probate costs, legal fees, and the net estate available to your beneficiaries.
Capital Gains Tax
Estimate tax on a capital gain under the Nigeria Tax Act 2025 rules in force from 1 January 2026, including the share disposal exemptions.
US markets & margin
8 calculators
US Options Margin
Calculate SPAN and Reg T margin for US equity options.
US Futures Margin
Look up CME initial and maintenance margins for US futures.
US Stock Margin
Estimate Reg T buying power and margin call trigger prices.
US Commodity Margin
Calculate margins for gold, oil, corn, and other CME commodities.
US Forex Margin
Compute pip values and required margin under CFTC leverage limits.
Options Pricing
Price options and compute Greeks using the Black-Scholes model.
Portfolio Margin
Estimate combined margin requirements across equities, options, and futures in one view.
Gross Margin
Estimate total collateral requirements for stock and derivatives positions using exchange margin rates.
Then what
Turn the plan into shares you own
Use the calculators to size a monthly amount, then let Shares Saver buy NGX-listed shares with it — registered in your name, from ₦10,000 a month.
What is an investment app?
A plain-English guide to how investment apps work.
ReadBest way to start investing with a small amount
How small, regular amounts add up in Nigerian shares.
ReadWhat does it mean to own shares in your own name?
Why direct registration matters for long-term investors.
Read