Free · No Registration · Nigerian Rates

Free Nigerian Financial Calculators

Loan repayments, PAYE tax, salary take-home, compound interest, mortgage. Built for Nigerian rates and regulations.

₦
Loan Calculator Popular
Monthly repayments, amortization, compare bank offers
📊
PAYE Tax Calculator NTA 2025
Income tax under NTA 2025 with full band breakdown
💰
Salary Calculator
Take-home pay after PAYE, pension, and NHF
📈
Compound Interest
Grow savings at T-bill and fixed deposit rates
🏠
Mortgage Calculator
NHF 6% and commercial rates, rent vs buy

Built for Nigeria

🏦
Nigerian Bank Rates
Personal loans 18–30%, mortgages 18–25%, T-bills 18–22%.
📋
NTA 2025 Tax Bands
Full Nigeria Tax Act 2025 with 0% first ₦800K band and all reliefs.
₦
Naira Formatted
All results in ₦ using Nigerian number formatting (en-NG locale).
📱
WhatsApp Sharing
Share calculator results via WhatsApp with all inputs encoded in the URL.

Nigerian Financial Reference Rates

Indicator Rate Notes
CBN Monetary Policy Rate26.5%As of 2026
Treasury Bills (364-day)18–22%Varies by auction
Bank Lending (personal)18–30%Reducing balance
NHF Mortgage6%Max ₦15M
Fixed Deposits8–15%Varies by bank & tenor
Minimum Wage₦70,000/monthAs of 2024
PAYE Zero BandFirst ₦800KNTA 2025

Rates are indicative for 2026. Always verify current rates with your financial institution.

Important Disclaimer

These calculators provide estimates for informational purposes only. They are not financial advice. Results may differ from actual bank calculations due to additional fees, charges, and product-specific terms. Always consult a qualified financial advisor before making financial decisions. Tax calculations are based on published NTA 2025 rates — individual tax situations may vary. Read full disclaimer.