Plan your savings, estimate loan repayments, project retirement corpus, and calculate trading fees — all with free, easy-to-use tools.
Estimate returns on periodic savings with Nigerian money market rates.
See how annual salary increments boost your long-term wealth.
Calculate monthly repayments on loans at Nigerian interest rates.
Estimate monthly repayments, total interest, and overpayment savings.
Plan periodic withdrawals from your investment corpus.
Estimate the corpus you need for a comfortable retirement in Nigeria.
Project your RSA balance based on CPS employer and employee contributions.
Model transfers between Nigerian fund types over time.
Compare nominal vs real returns accounting for Nigerian inflation.
See how inflation erodes your retirement corpus over time.
Project future portfolio value year by year with lump sum, monthly contributions, and inflation-adjusted real returns.
Calculate capital gain, dividend income, total return, and annualised CAGR on any stock investment.
Estimate dividend income, reinvestment growth, and total returns on Nigerian stocks.
Calculate gross profit margin, net profit margin, and markup percentage from revenue and cost figures.
Calculate your Nigerian Personal Income Tax from your salary and see how RSA pension contributions reduce your PITA bill.
See how much PITA you save by making voluntary RSA contributions — calculate the true net cost of boosting your pension.
Compare your RSA balance against age-based benchmarks to see if your Nigerian pension is on track and how much to top up.
Estimate how long you might live based on Nigerian health data and lifestyle factors — plan how many years of retirement income you need.
Compare PENCOM's two retirement income options — fixed annuity vs programmed withdrawal — and see which gives you more monthly income.
See exactly how your money grows with daily, monthly, quarterly or annual compounding. Includes year-by-year table and Effective Annual Rate.
Calculate the real impact of Nigerian inflation on your purchasing power. Find future costs or how much you need to save today.
Enter your income and all expenses in Naira across Nigerian-specific categories — rent, NEPA, generator, school fees — and instantly see your surplus or deficit.
Nigeria has no federal inheritance tax. Estimate probate costs, legal fees, and the net estate available to your beneficiaries.
Estimate CGT liability at the Nigerian 10% flat rate on property, unlisted shares, and other assets. NGX-listed shares are CGT exempt.
Calculate SPAN and Reg T margin for US equity options.
Look up CME initial and maintenance margins for US futures.
Estimate Reg T buying power and margin call trigger prices.
Calculate margins for gold, oil, corn, and other CME commodities.
Compute pip values and required margin under CFTC leverage limits.
Price options and compute Greeks using the Black-Scholes model.
Estimate combined margin requirements across equities, options, and futures in one view.
Estimate total collateral requirements for stock and derivatives positions using exchange margin rates.
Use the calculators for planning, then explore how Shares Saver turns that plan into direct share ownership through a regulated Nigerian investment process.
Explore the Shares Saver investment app and start your journey towards owning shares.