Free financial tools for Nigerians
How much

The money questions every Nigerian asks — answered instantly, for free.

NairaCalc is built to help Nigerians make better financial decisions without any cost. Whether you are checking your loan before you sign, understanding your pay slip, or converting your dollars — every tool here is free, simple, and made specifically for the Nigerian context. No jargon. No sign-up. No charges. Ever.

All calculators

💳
Loan Calculator
How much will your loan actually cost? See your monthly payment and the bank's full charge before you sign.
→
💼
Net Salary Calculator
How much of your salary do you actually take home? See your pay after tax, pension and housing fund — based on Nigeria's 2026 tax law.
→
💱
Currency Converter
How much is the dollar, pound or euro in naira today? Live rates updated every time you open the page.
→
🧾
VAT Calculator
How much is the VAT on that? Add or remove 7.5% VAT from any amount instantly — useful for invoices and shopping.
→
🏦
Savings Goal Calculator
How much should you save each month? Set your goal and see exactly how much to put aside to get there.
→

Why NairaCalc?