₦ NaijaCalc

City Salary Comparison — Use Your Own Budgets

Enter your take-home income and comparable monthly budgets for your current and destination locations. The result shows the net income needed to leave the same naira amount after those expenses. No city price index or local salary estimate is used. The starting numbers are hypothetical examples, not prices for a named city.

🔄  Calculator

₦550,000

Current income minus current budget ₦200,000
Same income minus destination budget ₦150,000
Change in monthly expenses +₦50,000
Net income for the same naira balance ₦550,000
Destination budget ÷ current budget 1.17×
Net income for the same budget-to-income ratio ₦583,333
Interpretation Compare remaining cash and upfront costs separately; this is not an affordability guarantee.

Works without JavaScript — the figures above are a worked example using the default values.

Before you rely on this

  • Same cash balance and same expense-to-income ratio are different targets. The first adds the budget difference to your income; the second scales income by the budget ratio. Neither measures local employer pay.
  • Include comparable healthcare, school fees, debt, dependants and power costs in both budgets. Check deposits, rent advance and moving costs separately; they may be binding even if monthly costs fit.
  • A negative balance is a shortfall, not zero savings. If your current budget already exceeds income, preserving that shortfall is not a sensible target. The ratio is unavailable when the current budget is zero.

How this is calculated: Arithmetic using the user’s net income and monthly budgets. No inferred local wages or government city-price dataset. · Data as of 2026-09-28
Use current quotes for equivalent household needs. Defaults are hypothetical examples. Annualise recurring rent consistently, and keep advance payments, deposits and moving costs separate.

Frequently asked questions

Should I enter gross or net income?
Use net take-home income, after payroll deductions, for comparison with household expenses. Use the take-home calculator separately to assess a gross offer.
Why are the two income targets different?
Same-naira balance adds destination expenses minus current expenses to current net income. Same-ratio income multiplies current net income by destination budget divided by current budget. They preserve different things.
Does this estimate salaries or prices for Lagos or Abuja?
No. It uses only your budget and income inputs. Earlier city-index defaults were withdrawn because their source-level evidence was not established. Use current neighbourhood quotes and actual job offers.

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