Compound interest calculator. Naira-first.
See exactly how a monthly tranche compounds over 1 to 30 years. Presets cover the rates a Nigerian investor actually faces: T-bills, money market funds, NGX bull cycles, and aggressive equity / FX plays. Adjust any field and the year-by-year table, chart, and shareable summary update live.
₦100.0K
₦
18.0%
Money market fund average — illustrative
15 years
1y10y20y30y
In 15 years, your ₦100.0K/month becomes ₦80.1M.
Invested₦18.0M
Final value₦80.1M
Multiple4.5×
Growth curve
PortfolioInvested
Year-by-year
15 rows| 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 |