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Calculators

One amount, every plan, side by side.

Change the amount once and see what each product would actually give you back — or actually cost. Tax and fees included, not added later.

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Hundred thousands

Five hundred thousand naira

For how long?

Products are shown at the longest term they offer up to this one.

  • Fixed SavingsMost back365 days · 22% a year
    Interest, after tax
    ₦99,000
    You get back
    ₦599,000
    Start this plan
  • Fixed Income Note12 months · 22% a year
    Interest, after tax
    ₦99,000
    You get back
    ₦599,000
    Start this plan
  • Treasury-Backed Note364 days · 19% a year
    Interest, after tax
    ₦85,500
    You get back
    ₦585,500
    Start this plan
  • Target Savings12 months · 16% a year
    Interest, after tax
    ₦72,000
    You get back
    ₦572,000
    Start this plan
  • Flex Savings12 months · 12% a year
    Interest, after tax
    ₦54,000
    You get back
    ₦554,000
    Start this plan
  • Business Savings12 months · 12% a year
    Interest, after tax
    ₦54,000
    You get back
    ₦554,000
    Start this plan

Every figure is after the 10% withholding tax the law requires us to deduct on interest. Investments are not deposits — a Fixed Income Note is not NDIC-insured and your capital is at risk.

How we work it out

No arithmetic you cannot check

Savings interest
Simple interest at the plan’s rate, pro-rated for the number of months. We do not compound within a term, and neither does the app — a calculator that quietly compounded would overstate what we pay.
Withholding tax
Nigerian law requires 10% to be deducted from interest and remitted. Every savings figure on this page is after that deduction, which is why 22% a year shows as 19.8% in your hand.
Loan interest
A flat monthly rate on the amount borrowed, which is how microfinance lending is actually quoted and charged here. Presenting it as a reducing-balance rate would produce a smaller-looking number that does not match your repayment schedule.
Fees
The management fee is a one-off percentage taken at drawdown, so the amount that reaches your account is less than the amount you borrowed. Both figures are shown.
Repaying early
Cancels the remaining interest. These figures assume you run the full term, so an early repayment costs less than shown — never more.

These figures are estimates to help you compare. The exact amount is confirmed before you accept anything, and we never quote a rate we cannot honour.

Ready when you are

Found the one? Start it with the amount already filled in.

Every plan above carries your figures straight into the application, so you do not type them twice.

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