About NaijaCalc

NaijaCalc exists because the money decisions Nigerians make every month are made without good numbers.

How much rent can I actually afford, given that the landlord wants two years upfront? What is my real take-home pay now that the tax law has changed? What does my generator cost me over a year, and would solar beat it? What salary do I need to ask for if I move from Ibadan to Lagos?

These are arithmetic questions with knowable answers. But the inputs are scattered, the rules changed recently, and most calculators online are built for American or British assumptions that do not survive contact with Nigerian reality.

What this site does

Three things:

Calculators that model Nigerian conditions. The take-home pay calculator uses the Nigeria Tax Act 2025 bands, not the old Consolidated Relief Allowance. The rent calculator treats a one or two year advance as the binding constraint it actually is, rather than pretending rent is a monthly figure. The solar calculator uses depth-of-discharge and inverter-efficiency derates, because a system sized without them fails at 9pm.

Data with a date on it. Every price, rate and salary range carries a source, an as_of date and a confidence rating. When a figure is an estimate, it says so. When sources disagree, the disagreement is shown rather than quietly averaged away.

Comparisons that answer the real question. Not "what is the rent in Kano" but "what does a nurse's salary actually buy in Kano after rent, food and transport."

What this site is not

It is not financial, tax or legal advice. It is not a substitute for a qualified adviser on a decision with real consequences. The calculators are tools for working through your own numbers, and the data is for planning, not for quoting.

It is also not a price list. There is no single national pump price for petrol in Nigeria, no single Band C electricity rate, and no single salary for any profession. Any site that presents those things as precise is either misleading you or has not thought about it.

How it is built

The site is a static HTML build. Data lives in JSON files, long-form content in markdown, and a build script renders plain HTML that can be served from anywhere. There is no database, no CMS and no server-side code, which means there is nothing to patch and nothing to get hacked.

Every calculator's arithmetic lives in one JavaScript file that runs both in your browser and in the build process, so the worked example printed on the page and the live result you get by changing an input come from the same code. That file is covered by a test suite; the tests are hand-computed from the law and from first principles, not copied from the implementation.

Contact

hello@naijacalc.ng

If a figure on this site is wrong, or out of date, or you have a better one, tell us. Correcting data is the most valuable thing a reader can contribute.