Let’s be real. Nigerians love land.
Your uncle has probably told you “Land no dey depreciate” at least three times this year.
But then, your finance bro friend keeps shouting about “T-Bills are risk-free, guaranteed returns!”

So, who’s right?
That’s exactly what Land Banking Math helps you find out, no emotions, just clean numbers.

💡 What It Does

It’s a smart calculator that compares buying land vs investing in T-Bills.
In a few clicks, it’ll tell you which one actually builds more wealth over time.
Basically, it answers that “Should I buy land or just invest?” debate that’s been stressing your WhatsApp group.

🚀 How To Use It

1️⃣ Enter Your Land Investment Info

Start with your land numbers:

• Purchase Price (₦): How much you’re paying for the land today.
• Future Value (₦): How much you think it’ll be worth later.
  (Example: You buy for ₦2M, expect it to grow to ₦5M in 5 years.)
• Years to Hold: How long you plan to keep it.
• Annual Costs (₦): Fees, fencing, survey, maintenance, or those random “omo-onile” charges.

This gives us the real picture of how much profit you’d make from land after all the hidden wahala.

2️⃣ Enter Your T-Bill Alternative

Now plug in your “safe” option:

• T-Bill Rate (%): The current rate banks or brokers advertise.
• Tax Rate (%): Usually 10%. That’s the government’s cut.

This helps the tool simulate what your T-Bill would earn if you invested the same money there instead of land.

3️⃣ Tap “Compare Investments”

Now the gist begins.
The calculator will instantly show both sides like a money reality show.

You’ll see:

• Land ROI: How much you’d actually gain from buying land.
• T-Bill ROI: Your clean after-tax return if you went the safe route.
• Winner 🏆: Who truly gives you more land or T-Bills and by how much.

🧠 Why You Need This

Because every Nigerian thinks “Land is the best investment.”
But sometimes, T-Bills quietly outperform that “bush land” you bought in 2018 that hasn’t appreciated much.

This calculator helps you see the truth before you pour millions into something that just “feels right.”

It’s not anti-land. It’s anti-blind-investing.

🧩 Play With It

Change the years, tweak the growth rate, or raise the T-Bill rate to see how your returns shift.
You’ll start understanding how time, taxes, and assumptions can flip your entire result.

That’s how smart investors think.

💬 Final Take

Land Banking Math is not just a calculator. It’s the end of emotional investing.
Because sometimes, “Land no dey spoil” doesn’t mean it’s making you richer.

Use it before you buy that plot or before your broker convinces you T-Bills are heaven.
Let the numbers settle the argument once and for all.