SurplusNaira

What could your savings become?

Model how monthly savings or a lump sum could grow — you pick the amounts, timeline, and rate. Scroll down for allocation ideas and instrument guides, or visit Learn for plain-English explainers on treasury bills, mutual funds, and NGX stocks. Educational only; not financial advice.

What could your savings become?

Pick a scenario below. You type the growth rate — we do not suggest or guarantee any return.

How do you want to plan?

Example: “If I invest ₦50,000 every month for 10 years, what might I have?”

Amount each month (₦)How many years?How long you plan to save — e.g. 5 for a short goal, 10–20 for long-termGrowth rate you assume per year (%)Your guess only — not a promise from this siteInflation % (optional)Rough price-rise rate — to show “real” buying power

Compare three different growth rates you choose

Estimated total at end

₦0

What you put in

₦0

Growth on top (estimate)

₦0

Education and planning only. Not investment advice. Investing involves risk, including loss of principal. Use SEC-licensed fund managers and brokers. Verify products on sec.gov.ng.

Hypothetical only. Returns are not guaranteed. Past performance does not indicate future results.

Instrument types (education only)

Treasury Bills

DMO

Short-term government debt sold at a discount. You receive the face value at maturity.

Lower risk·Locked / tenor

Official resources →

FGN Savings Bonds

DMO

Retail government bonds with periodic interest payments. Sold through primary market windows.

Lower risk·Locked / tenor

Official resources →

Mutual Funds / CIS

SEC

Pooled funds managed by SEC-registered operators. Units are priced at net asset value (NAV).

Medium risk·Medium liquidity

Official resources →

NGX Equities

SEC

Shares listed on the Nigerian Exchange. Prices move with market conditions; you can lose principal.

Higher risk·Medium liquidity

Official resources →

Fixed Deposits

CBN

Bank tenured deposits. Deposits may be protected by NDIC within stated limits — confirm with your bank.

Lower risk·Locked / tenor

Official resources →

RSA Voluntary Contributions

PENCOM

Extra contributions to your Retirement Savings Account through your Pension Fund Administrator.

Medium risk·Locked / tenor

Official resources →