The numbers you need, worked out for Nigeria.
38 free calculators that use the grading scales your university actually runs, the tax bands that apply from 2026, and the rent that gets paid a year in advance. Plus price and salary data reported by readers, and guides that go deeper.
No account needed. Nothing you type leaves your browser.
Most used
Start with one of these
CGPA Calculator
Work out your semester GPA and your running CGPA on the 5.0, 4.0 or 7.0 scale.
Open the calculatorSalary After Tax Calculator
Estimate your PAYE deduction and monthly take home pay under the tax bands that apply from January 2026.
Open the calculatorJAMB Aggregate Calculator
Combine your UTME score, Post UTME result and O Level points into an aggregate using your school's own weighting.
Open the calculatorCost of Living Calculator
Add up what a month actually costs you, and see the annual figure nobody wants to look at.
Open the calculatorRent Affordability Calculator
Work out what rent you can genuinely carry, including agency fees, caution deposit and the annual payment problem.
Open the calculatorLoan Repayment Calculator
See your monthly repayment, the total interest and what the loan really costs before you sign.
Open the calculatorElectricity Cost Calculator
Work out what each appliance actually costs you per month at your own tariff.
Open the calculatorData Usage Calculator
Estimate how much data your habits consume and what bundle size you actually need.
Open the calculatorBudget Calculator
Split your income into needs, wants and savings, and see where your plan diverges from reality.
Open the calculatorSix kinds of arithmetic, all in one place
Every tool explains its method, works through an example and sets out the formula, so you can check the reasoning rather than trusting a number that appeared on a screen.
Education & Grades
CGPA, GPA, JAMB aggregate, WAEC points, degree class and study planning. Built around the grading rules Nigerian institutions actually use.
8 tools
Money & Cost of Living
Salary after tax, budgets, rent affordability, savings targets, loan repayment, electricity and generator running costs.
11 tools
Work & Business
Raises, freelance pricing, profit margin, break even point and years of experience. For anyone who earns, hires or sells.
5 tools
Everyday Life
Data bundles, fuel for a trip, age, dates, percentages, VAT and discounts. The small sums that come up every week.
6 tools
Internet & Tech
Download times, file sizes, storage conversion and password strength. Practical answers for slow networks and tight data plans.
3 tools
Writing & Utilities
Word counts, reading time, text case, unit conversion and secure password generation. Everything runs inside your browser.
5 tools
Reader data
What Nigerians are actually paying
Agents quote what they hope to get. Employers know what everyone on the team earns and you do not. School fee schedules leave out the levies. Almost none of it is published anywhere you can look up.
So we ask readers. They report what they pay, anonymously and with no account, we review every entry, and the medians go up here for everybody else to use.
1 published entries so far.
Rent prices
What people are actually paying in rent, by state, city and property type. Useful before you negotiate, before you move, and before you accept a renewal increase.
1 entriesSalaries
What roles actually pay, by title, experience level and location. The information that makes a salary negotiation a conversation rather than a guess.
Be the first to contributeSchool fees
What schools and institutions are actually charging this year, by level and location, including the levies that never appear on the official schedule.
Be the first to contributeTransport fares
Current fares on real routes, by mode and city. Transport costs move faster than almost anything else in a household budget.
Be the first to contributeFood and market prices
What staples actually cost this month, by item, market type and location. Prices move weekly, so recent entries matter most.
Be the first to contributeFrom the blog
Guides that go deeper than a calculator
From Victim to Victor: Remaking Yourself After Post-Traumatic Stress Disorder (PTSD)
From Victim to Victor: Remaking Yourself After Post-Traumatic Stress Disorder (PTSD)
Importance of Education: Why Education Matters To Individuals And Society
A practical look at the importance of education, including its benefits for personal development, employment, communities and national development.
What Is Health Education? Meaning, Goals, Importance and Benefits
Learn what health education means, its main goals, common topics and how it helps people make healthier decisions in everyday life.
How To Write Application Letter For Teaching Job In Primary School: Sample And Guide
Learn how to write an application letter for a teaching job in primary school, what to include, how to format it and a sample you can adapt.
Federal Ministry of Education: Functions, Departments, Roles and Responsibilities
Find out what the Federal Ministry of Education does in Nigeria, its major responsibilities, policy role and how it supports the education sector.
Nigerian Education Loan Fund: How It Works, Who Can Apply and How to Get the Student Loan
A practical guide to the Nigerian Education Loan Fund, including who can apply, how the application works, what the loan covers and how repayment works.
Why we built this
Most calculators online were built somewhere else and quietly assume everything works the way it does there. They apply a 4.0 grading scale to a university running on 5.0. They compute take home pay using reliefs that no longer exist. They treat rent as a monthly payment when your landlord wants two years upfront, and they have never heard of a generator.
The result is a number that looks authoritative and is wrong in a way you cannot see. That is worse than no number at all, because you act on it.
Everything here starts from how the thing actually works in Nigeria, then does the arithmetic. Each page explains the method and shows a worked example, because a calculator you cannot check is just a machine asking for trust it has not earned.
Nothing you type goes anywhere
Every calculator runs inside your browser. When you enter your salary, your grades or your rent, that value stays on your device. It is not sent to our server, not written to any database and not visible to us. Refresh the page and it is gone.
That is why there is no sign up. There is nothing to attach an account to. Full details are in our privacy policy, and the about page covers who runs the site and how it is funded.