Six purpose-built calculators for the decisions an NGX operator actually makes: sizing a trade, projecting compound growth, converting currencies at live rates, estimating CGT before a sale. No account needed.
Hold NGX positions already? Portfolio X-Ray reads your CSCS statement, broker screenshots, or a pasted list in seconds — value, top holdings, sector split. Underwater on a position? The recovery calculator does the break-even and DCA math. Weighing an FGN bond? The bond return calculator solves the yield, cashflows, and pull-to-par. Cash you won't need for a while? The T-bill ladder builder staggers maturities at today's stop rates, net of WHT.
Project how a monthly DCA into NGX equities, T-bills, or MMFs compounds over 1–30 years. Year-by-year breakdown, exponential growth chart, shareable summary.
Money market fund average — illustrative
In 15 years, your ₦100.0K/month becomes ₦80.1M.
| Year | Invested | Value | Returns |
|---|---|---|---|
| 1 | ₦1.2M₦1,200,000 | ₦1.3M₦1,314,043 | ₦114.0K₦114,043 |
| 2 | ₦2.4M₦2,400,000 | ₦2.9M₦2,864,613 | ₦464.6K₦464,613 |
| 3 | ₦3.6M₦3,600,000 | ₦4.7M₦4,694,286 | ₦1.1M₦1,094,286 |
| 4 | ₦4.8M₦4,800,000 | ₦6.9M₦6,853,301 | ₦2.1M₦2,053,301 |
| 5 | ₦6.0M₦6,000,000 | ₦9.4M₦9,400,938 | ₦3.4M₦3,400,938 |
| 6 | ₦7.2M₦7,200,000 | ₦12.4M₦12,407,149 | ₦5.2M₦5,207,149 |
| 7 | ₦8.4M₦8,400,000 | ₦16.0M₦15,954,479 | ₦7.6M₦7,554,479 |
| 8 | ₦9.6M₦9,600,000 | ₦20.1M₦20,140,328 | ₦10.5M₦10,540,328 |
| 9 | ₦10.8M₦10,800,000 | ₦25.1M₦25,079,630 | ₦14.3M₦14,279,630 |
| 10 | ₦12.0M₦12,000,000 | ₦30.9M₦30,908,006 | ₦18.9M₦18,908,006 |
| 11 | ₦13.2M₦13,200,000 | ₦37.8M₦37,785,490 | ₦24.6M₦24,585,490 |
| 12 | ₦14.4M₦14,400,000 | ₦45.9M₦45,900,921 | ₦31.5M₦31,500,921 |
| 13 | ₦15.6M₦15,600,000 | ₦55.5M₦55,477,129 | ₦39.9M₦39,877,129 |
| 14 | ₦16.8M₦16,800,000 | ₦66.8M₦66,777,055 | ₦50.0M₦49,977,055 |
| 15 | ₦18.0M₦18,000,000 | ₦80.1M₦80,110,968 | ₦62.1M₦62,110,968 |
Risk-based sizing for a single equity trade. Inputs: account size, risk % per trade, entry, stop. Optional half-Kelly toggle if you have an edge estimate.
Total NGN you're sizing against. Cash + open positions.
Fraction of the account you're willing to lose if the stop hits.
Where you'll exit if the trade fails. Must be below entry for a long.
Gross + post-WHT income from a fixed sum across MMF / T-bill / equity instruments, with the canonical Nigerian withholding rules applied (CITA-exempt T-bills, 10% WHT on MMF / equity dividends).
The amount you have to invest.
Coupon, MMF yield, or trailing 12m dividend yield.
18.00% on ₦1,000,000 = ₦180,000 gross
10% deducted at source.
16.20% net yield on capital.
Cross-rates for NGN, USD, EUR, GBP, ZAR, KES, at the same FX rates the rest of the terminal uses. Type any amount in any currency; the others update instantly.
Tax on a single equity disposal under the Nigeria Tax Act 2025 — the ₦150M-proceeds / ₦10M-gains share exemption, then your income-tax band (or an honest range if you're not sure). A working draft for your accountant.
Total naira you paid, including original fees.
Gross naira received before exit fees.
Brokerage + NGX/CSCS + VAT on the sell ticket.
Chargeable gains are taxed at your personal income-tax rate (NTA 2025). Pick your top band, or leave 'Not sure' to see the range.
NTA 2025 exempts gains on Nigerian-company shares when your aggregate disposal proceeds stay under ₦150,000,000 AND your aggregate gains stay within ₦10,000,000 over 12 months. Enter your other realised proceeds and gains for this year so the check covers everything, not just this disposal.
Proceeds − cost − fees. 49.30% on cost basis.
Exempt — proceeds under ₦150M and gains within ₦10M (NTA 2025 share exemption).
What lands in your hand after tax settles.
Nigeria Tax Act 2025 rules (effective January 2026): the flat 10% CGT is repealed and chargeable gains are taxed at your personal income-tax band. Reinvesting the proceeds in Nigerian-company shares within the same year attracts proportional relief — not modelled here. A working draft for your accountant, not tax advice.
Estimator only. The canonical year-rollup (FIFO lot matching, carry-over basis chains, dividend WHT) lives at /tax/[year].
Backtest a holding mix against the last 1, 3, 6, or 12 months of NGX prices. Sector / single-stock concentration warnings included. Sign in to load your real portfolio.
Pick a preset above or add tickers one-by-one. The simulator handles 1 to 10 NGX names.
