Free Nigerian financial calculators

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Every tool runs live in your browser, works in naira, and is free with no sign-up. Start with the number you need — loan, savings, VAT — then act on it.

💸 Loans 3

Personal Loan Calculator

Work out the monthly repayment on a personal loan in Nigeria.
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Vehicle Finance Calculator

Estimate car finance repayments in Nigeria, including a balloon payment.
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Loan Affordability Calculator

Estimate how much you can responsibly borrow based on your income.
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💳 Credit Cards 1

Credit Card Repayment Calculator

See how long it takes to clear a credit card balance and what it costs.
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🚀 Business Finance 1

Business Loan Calculator

Estimate the monthly repayment on business funding for a Nigerian SME.
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🏠 Property 4

Open the property hub →

Home Loan Calculator

Estimate your monthly home-loan repayment and total interest in Nigeria.
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How Much Home Loan Can I Qualify For?

Estimate the home loan — and property price — you could qualify for, based on your income.
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Home-Loan Extra-Payment Savings Calculator

See how much interest you save — and how many years you cut — by paying extra into your home loan.
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Rent vs Buy Calculator (Nigeria)

Compare the equity you build by buying against the total rent you pay over the same period — in naira.
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💰 Banking 4

Savings Calculator

Project the future value of regular monthly savings.
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Compound Interest Calculator

See how compound growth builds wealth: a starting amount plus optional monthly contributions, compounded monthly in naira.
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Retirement Calculator

Project your retirement pot and the monthly income it could sustain.
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Petrol / Fuel Cost Calculator

What your driving really costs per month and per year, at the current pump price.
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🧾 Tax 4

Open the tax hub →

Nigeria PAYE & Income Tax Calculator 2026 — Take-Home Pay

See your real take-home pay after PAYE, the 8% pension and rent relief — on the Nigeria Tax Act 2025 bands.
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Capital Gains Tax (CGT) Calculator — Nigeria

Estimate CGT on shares or other assets — taxed at your marginal rate under the Nigeria Tax Act 2025.
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Dividends Tax Calculator — Nigeria

What lands in your account after the 10% dividend withholding tax.
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VAT Calculator 2026 — Add or Remove 7.5% VAT

Add VAT to a price or work backwards from a VAT-inclusive amount, at the standard Nigerian 7.5% rate.
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🛠️ Planners & free tools

Dollar to Naira

The live market-implied dollar rate with a two-way converter, refreshed every 30 minutes.
Check today's rate →

Debt Payoff Planner

List your debts and get the fastest payoff path — snowball or avalanche, with the exact payoff date.
Open planner →

Financial Health Score

Your 0–100 score from real numbers, projections and a personalised action plan. Free demo.
Check my score →

Free Invoice Generator

Professional invoices with VAT and line items — print or save to PDF, free.
Create an invoice →

Free Quote Generator

Client quotes with live totals and VAT, print-ready.
Create a quote →

Bank Statement Converter

Turn PDF statements from your bank into categorised CSV or Excel.
Convert a statement →