Let’s face it, every time the dollar rate jumps, Nigerians collectively sigh.
One minute it’s ₦1,300, next week it’s ₦1,600.
And you’re just there, wondering if your naira savings are secretly melting like ice in Lagos heat.

This calculator ends the confusion.
It shows you exactly which one protects your wealth better: investing in dollars or sticking with naira.

No guesswork, no forex gist from your office group chat just hard numbers.

🔍 What It Does

This tool compares how your money performs over three years if you:

1. Invest in US stocks (Dollar side)
2. Or invest in Nigerian stocks (Naira side)

It shows:

• How much your dollar investment grows after returns and exchange rate changes
• How much your naira investment grows after local returns
• And which one actually wins with receipts

Think of it like a “who carried first” moment for your money.

⚙️ How To Use It

Step 1: Enter Your Dollar Investment ($)

Start small or go big.
Maybe you’re testing the waters with $200 or going full boss mode with $1,000.
Type it in.

Step 2: Type the Current Exchange Rate (₦/$)

That’s the rate right now.
If it’s ₦1,300, use that. Don’t lie, we’re calculating your real gains, not fantasy profits.

Step 3: Add the Expected Rate in 3 Years

This is your prediction for the future rate.
If you think it’ll hit ₦2,000 (because, well, Nigeria), type it in.
The calculator uses this to show how currency depreciation affects your returns.

Step 4: Fill in the Returns for Both Investments

• US Stocks Return (% per year): Maybe 7%, that’s what you’d expect from something like the S&P 500.
• Nigerian Stocks Return (% per year): Maybe 15%, because local stocks often have higher risk and reward.

Then hit Compare Investments.
Now watch the real battle unfold.

📊 What You’ll See

The calculator splits the results into two cards:

🇺🇸 Dollar Side:

• How your US investment grows (plus exchange rate effect)
• ROI in percentage
• Total value in naira after 3 years

🇳🇬 Naira Side:

• How your naira investment grows locally
• ROI
• Total value in naira after 3 years

Then you’ll see one bold line: “Dollar Wins!” or “Naira Wins!”
No drama, no emotions just data telling you who really performed better.

It even shows by how much the gap in naira between both results.

🧠 The Secret Sauce (Why This Is So Eye-Opening)

This calculator doesn’t just compare “returns.”
It shows you how currency depreciation eats your wealth in silence.

For example:
If the naira drops 25% in three years, your dollar investment benefits automatically even before counting stock returns.

It’s like owning a business that earns in dollars while your bills stay in naira.
You win both ways.

But if naira stocks outperform, that’s also gold you get high returns without worrying about conversion.

Either way, you’ll finally see the math, not just vibes.

🧩 Play With It

Change the numbers.
Set the future rate to ₦1,800 or ₦2,500.
Adjust your dollar and naira returns.

You’ll see how sensitive your money is to inflation, devaluation, and timing.
It’s the fastest way to understand currency risk without reading an economics textbook.

⚡ Real-Life Takeaway

If you’re earning in naira and saving in naira, you’re literally fighting inflation unarmed.
But if you earn or invest in dollars, you’re hedging and protecting your wealth from FX drama.

Still, don’t go all in on one side.
The smart move is balance.
Have naira investments for local opportunities, but hold some dollar assets to sleep peacefully when the exchange rate trends on X.