Stocks & Shares Calculator

Estimate your capital gain, dividend income, and annualised return on any stock investment. Figures are illustrative only.

Number of Shares

1100,000

Buy Price per Share

₦

1005,000,000

Sell Price per Share

₦

1005,000,000

Total Dividends Received

₦

010,000,000

Brokerage Fee (each way)

Holding Period

years

0.2530

Estimated Results

Total Cost (inc. buy fee)

₦10,100,000

Capital Gain / Loss

₦4,000,000

Dividends Received

₦0

Total Fees

₦-240,000

Net Profit / Loss₦3,760,000

Total Return

37.23%

Annualised Return (CAGR)

11.13%

Disclaimer

This calculator is for educational and illustrative purposes only. It does not constitute financial, investment, or tax advice. Results are estimates based on the inputs you provide and may not reflect actual returns. Consult a qualified financial advisor before making any investment decisions.

Turn The Numbers Into a Plan

Use these calculators to model outcomes, then see how Shares Saver helps you build direct ownership of Nigerian stocks through a regulated, long-term investing process.

Explore the Investment App Learn About Direct Ownership

How Is This Calculated?

Net Profit = (Shares × Sell Price − Sell Fee + Dividends) − (Shares × Buy Price + Buy Fee)

Where:

Buy FeeBrokerage % × total purchase cost

Sell FeeBrokerage % × total sale proceeds

Total Return %Net Profit ÷ Net Cost × 100

CAGR(Net Proceeds ÷ Net Cost)^(1 ÷ Years) − 1

Frequently Asked Questions

Total return includes both capital gain (the increase in share price) and any dividends received during the holding period. It gives a more complete picture of investment performance than price appreciation alone.

Annualised return (CAGR) converts your total return into a per-year equivalent, making it easy to compare investments held for different lengths of time. A 50% total return over 5 years is very different from the same return over 1 year.

Yes. The calculator deducts buy-side and sell-side brokerage fees from your profit, giving you a more realistic net return figure. On NGX trades you should also account for SEC fees, CSCS fees, stamp duty, and VAT — use our NGX Brokerage Calculator for a precise breakdown.

This calculator shows pre-tax returns. In Nigeria a 10% withholding tax is typically deducted at source on dividend income. Capital gains tax treatment may vary; consult a tax adviser for your specific situation.

A negative return means you sold the shares for less than you paid (a capital loss), and any dividends received were not enough to offset that loss. The annualised return will also be negative in this case.