Let’s talk about something painful. Your salary was supposed to drop on the 28th. It’s now the 5th of the next month. Your employer says “sorry, bank issues” or “processing delays” or whatever excuse they cooked up this time. You’re supposed to just smile and wait like money doesn’t have time value.

But here’s the thing: every day your salary is delayed, you’re literally losing money. Not vibes. Not feelings. Actual naira. Because inflation exists, and in Nigeria, inflation is not playing with anybody.

This calculator shows you the numbers:

First, type in your monthly salary. Your gross salary, the number they promised before tax and deductions. Be honest because this affects the calculation.

Next, put in your Expected Payday. This is the date they SHOULD have paid you based on your contract or company policy. The date you already circled in your calendar and told all your creditors.

Then put in the Actual/Projected Payday. If they’ve already paid you late, use that date. If you’re still waiting, use the date they’re now promising (though we know that might change again).

Last one: Annual Inflation Rate. It’s pre-filled with 22.5% because that’s Nigeria’s inflation rate as of 2024 (tragically). You can adjust it if things have changed or if you want to use a different rate.

Click “Calculate Loss” and prepare for the truth.

What you'll see: Your Employer's Delay Is Costing You Real Money

A big number showing your estimated loss. This is how much purchasing power you lost because your money came late. Then it breaks down: your salary, daily loss rate (how much value you lose per day of delay), the inflation impact, and your total purchasing power lost as a percentage.

There's also a badge showing how many days you've been waiting. And an explanation box that breaks down what this actually means in plain English.

Why this calculator will make you angry (in a good way):

When you see that a 10-day salary delay cost you over 6,000 naira in purchasing power on a 200k salary, you realize this isn't a small thing. That's transport money. That's data and airtime. That's actual value gone because someone couldn't process payroll on time.

What to do with this information:

Screenshot it. Send it to HR (professionally, of course). Use it in salary negotiations. Reference it when they try to delay again. Say "I understand there are challenges, but according to inflation calculations, every day of delay costs me money. Can we discuss compensation for late payments or at least ensure this doesn't happen again?"

You probably won't get compensation (this is Nigeria), but at least you'll have data. At least you'll know the real cost. At least you won't feel crazy for being upset about delays.

Your time and money matter. This calculator proves it.