What we do
SurplusNaira is a free educational tool for people saving and investing in Nigeria. Use the calculator to model hypothetical growth with numbers and rates you choose yourself, then read our guides on treasury bills, mutual funds, stocks, and emergency funds.
We do not compute tax, recommend securities, or hold funds. For current product rules and licensed operators, always check SEC Nigeria, DMO Nigeria, and NGX.
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.
Calculator
What could your savings become?
Model monthly savings, lump sums, or a target amount.
Learn
Plain-English guides
Treasury bills, mutual funds, NGX stocks, and more.
Creator
SurplusNaira was built by ojigbo.pro.
Follow us
Tips, explainers, and updates on Nigerian personal finance.
Official resources
Verify products, rules, and licensed operators at the source.