Financial tools

Simple planning calculators to help you model savings growth and recurring contributions.

Savings growth

Compound savings calculator

Projected value₦0.00

Goal planner

Target savings calculator

Needed monthly contribution₦0.00

Transfer cost

Transfer fee estimator

Estimated fee (excluding amount sent)₦0.00

Debt planning

Loan repayment calculator

Monthly repayment₦0.00

Emergency fund

Buffer target calculator

Monthly target₦0.00

Budgeting

Monthly budget planner

Monthly surplus / gap₦0.00

Balance sheet

Net worth calculator

Net worth₦0.00

Debt plan

Debt snowball calculator

Total repayment / time to clear₦0.00

Retirement

Retirement projection calculator

Projected retirement balance₦0.00

A useful estimate

Use it as a planning aid.

All amounts are in Nigerian naira. Prefilled values and rates are illustrative inputs, not current offers.

Savings and retirement use a fixed nominal annual rate divided by 12, monthly compounding and end-of-month contributions. They exclude tax, fees and inflation.

Loans assume fixed rates and equal monthly payments. Debt snowball applies monthly interest rounded to kobo, pays fixed minimums, then directs the remaining monthly budget to the smallest balance. Freed payments roll forward; there are no new debts or fees. Enter each debt?s actual rate; zero means interest-free.

The emergency target earns no interest. Transfer fees exclude caps, taxes and other charges. Confirm provider terms before committing.

Planned future upgrade

More tools are on the roadmap.

Next additions include a tax planner, affordability stress test and more scenario-based cash-flow calculators.