Free tools
The calculators Nigerians actually need.
Built on real Nigerian price and rate data — pulled from Ranked's directory of 81 business categories and the CBN-licensed loan apps we track. No login, no email capture, no ads.
Salary
PAYE take-home calculator (2026 rules)
The Nigeria Tax Act changed every salary calculation in January 2026. Enter your gross pay and rent — we compute your real take-home under the new bands, and show exactly what changed vs the old law.
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Borrowing
Loan eligibility estimator
Input your monthly income, term, and credit profile. We compute which Nigerian loan apps will likely approve you and at what APR. Updated against current CBN-licensed lender rates.
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Spending
What should this cost in Nigeria?
Pick a service category and city. We estimate the typical naira range using rating + price-level data from across our directory. No more being overcharged because you're new in town.
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Lifestyle
Lagos night out calculator
Pick your activities (suya, jollof, club entry, ride home). We tally what a Friday night actually costs in Lagos vs Abuja vs Port Harcourt. Refreshed monthly against the Cost-of-Vibes Index.
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