It calculates exactly how many days your salary lasts before you’re back to drinking garri without groundnut, milk and sugar. Checking your bank account balance three times a day hoping the numbers changed.

Why this will mess you up (in a good way): You think you’re managing. You’re not. Your salary hits your account, you breathe for maybe 5/7 days, then it’s back to “no funds available.” This calculator shows you the actual math behind your financial stress.

How to use it:

Type in your real monthly salary. Not what you tell people at parties. What actually lands in your account after tax.

Be brutally honest about rent. If you’re paying ₦50,000 but telling people ₦30,000, this is not the place for that lie. Your landlord knows the truth, this calculator should too.

Transport costs, add it all. Uber when you’re running late, danfo when you’re broke, okada when you’re desperate. Calculate your average month. If you’re spending ₦25,000 on transport but keep saying “I barely commute,” you’re exactly who needs this tool.

Food and groceries, this is where people lie the most. “I spend like ₦20,000 on food.” Meanwhile, you ate out four times last week at ₦5,000 per meal. Add the Chicken Republic, the sharwarma runs, the “let me just order small food” moments. Be real.

Bills are bills. Data (because you will never not have data), electricity (even with the crazy tariffs), water, subscriptions you forgot you’re still paying for. Add them up.

Entertainment and flexing, yes, it gets its own category because you know you do it. The club on Friday, drinks on Saturday, owambe on Sunday, movies on Monday because “I need to relax.” How much are you really spending to maintain your social life?

The reveal: The Truth Hurts Edition

Calculator tells you when you’ll be broke. If it says 18 days, that means you’ve got 12 days of the month where you’re basically broke and pretending not to be. The remaining balance it shows? That’s what you should be saving but you’re probably not.

Example that hits different: ₦200,000 salary. ₦70,000 rent. ₦25,000 transport. ₦50,000 food. ₦20,000 bills. ₦35,000 entertainment. You’re broke by day 20. You’ve been blaming inflation, the government, your salary. The truth? You’re spending ₦200,000 to survive ₦170,000 expenses and party with ₦35,000. Something has to give.

What to do with this information: Look at the breakdown. Which number shocked you? That’s where you start cutting. Not suffering, not starving yourself. Just being honest about what’s actually necessary and what’s you trying to keep up appearances.