Enter your monthly income and watch your naira allocate itself intelligently — savings, rent, food, and more, all calculated in real-time.
Your budget health score will appear here
| Category | % | Monthly (₦) | Weekly (₦) | Daily (₦) | Real Value* | Status |
|---|---|---|---|---|---|---|
| Enter your salary above to see the full breakdown | ||||||
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The percentages are based on widely researched Nigerian living-cost data for cities like Lagos, Abuja, and Port Harcourt. They are starting points, not absolutes. Use the sliders to adjust every category to match your actual expenses — the calculator is only as accurate as what you put in.
Yes, completely free. No sign-up, no subscription, and no hidden fees. The calculator runs entirely in your browser. We are supported by non-intrusive advertising, but the tool itself will always be free for every Nigerian.
No data leaves your device. All calculations happen locally in your browser. The optional “Save Budget” button writes only to your browser's localStorage — nothing is transmitted to any server. We do not collect, store, or sell any personal information.
Yes. Every category has a live-adjustable slider. You can also tap the 50/30/20 preset for the classic Western rule, or the Nigeria Preset for the 40/30/20/10 rule that accounts for higher Nigerian rent and transport costs. Changes update your breakdown instantly.
All of them. The sliders are fully customisable, so whether you live in Lagos, Abuja, Port Harcourt, Enugu, Kano, or anywhere else, you can tune the percentages to reflect your real local cost of living. Higher Lagos rents? Increase the Rent slider. Low Kano transport costs? Reduce it.
Yes. Enter your combined household income and adjust the sliders to reflect shared expenses like rent, food, and school fees. The Share Link feature lets you copy your exact configuration and send it to a spouse or partner so you both work from the same budget.
The 50/30/20 rule splits your take-home income three ways: 50% for needs (rent, food, transport, bills), 30% for wants (lifestyle, entertainment, dining out), and 20% for savings and investments. For Nigeria, we recommend a 40/30/20/10 adaptation: 40% needs, 30% wants, 20% savings, and a dedicated 10% emergency fund, since Nigerian essential costs tend to be proportionally higher.