Nigeria's #1 Financial Planning Tool

Know If Your Naira Salary Is Enough to Live Well in Any Nigerian City

City-specific cost of living calculator, salary sufficiency score, and personalised budget plan built for Nigerians, by a Nigerian.

15+
Cities Covered
12
Expense Categories
100%
Free to Use
NGN
Naira Based

Cost of Living & Salary Sufficiency Calculator

Enter your details for an instant personalised financial analysis

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🌿
Frugal
Bare essentials
⚖️
Average
Comfortable basics
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Comfortable
Quality living
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Luxury
Premium lifestyle

Your Financial Analysis Results

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0
Score
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Monthly Expense Breakdown

Monthly Budget Summary

Monthly Income
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Total Expenses
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Remaining Balance
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Savings Potential
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Financial Runway Projection
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Run the calculator to see your projection.
Financial Health Assessment
Multi-factor analysis of your financial wellbeing

Data Visualisations

Expense Distribution

Category Breakdown

12-Month Savings Projection

What-If Simulators

Inflation Simulator

See how Nigeria's inflation hits your monthly budget

Inflation Rate15.7%
0%▼ 15.7% today31.4% (2024 peak)45%
Run the main calculator first.

Salary Raise Simulator

Enter an expected raise to see the financial impact

₦
Current Quality
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With Raise
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Enter a raise amount to simulate.

Side Hustle Recommendations

Powerful Tools

Everything You Need to Master Your Finances in Nigeria

Designed for the realities of Nigerian economic life — inflation, fuel costs, school fees, and all.

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15 Cities Covered

Real cost data for Lagos, Abuja, Port Harcourt, and 12 other Nigerian cities.

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Visual Analytics

Animated doughnut, bar, and line charts make your financial picture instantly clear.

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Inflation Simulator

See how rising inflation impacts your budget in real time with an interactive slider.

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Salary Raise Planner

Model how a salary increase or side hustle would change your quality of life.

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Emergency Fund Guide

Calculate exactly how much you need for 3, 6, or 12 months of financial security.

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Side Hustle Engine

Personalised income diversification recommendations based on your salary gap.

FAQ

Frequently Asked Questions

Our estimates are based on aggregated market data, user-reported costs, and published Nigerian price surveys. They reflect typical costs as of 2024-2025 and are updated periodically. Actual costs may vary by neighbourhood, personal habits, and market fluctuations.
Yes, 100% free. No registration required. Just enter your details and get instant results.
The score (0-100) measures how well your salary covers your estimated city-specific expenses at your chosen lifestyle level. A score above 70 is healthy. Below 40 indicates financial stress.
We cover 15 cities: Lagos, Abuja, Port Harcourt, Enugu, Kano, Ibadan, Benin City, Uyo, Warri, Owerri, Aba, Kaduna, Jos, Calabar, and Maiduguri.
Absolutely. Select your family size and the calculator adjusts all expense estimates including food, school fees, and utilities to reflect a realistic household cost.
The 50/30/20 rule allocates 50% of income to needs (rent, food, utilities), 30% to wants (entertainment), and 20% to savings and debt repayment.
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