Your salary just hit. You’re feeling like Dangote for exactly 3 hours. Then poof, it’s gone and you’re asking “where did my money go?” for the 47th time this year.

Listen, you’re not bad with money. You just never had a plan. That’s where this calculator saves your life.

Here’s the truth nobody wants to admit: most of us treat our salary like a free-for-all buffet. Bills, vibes, random shopping, helping family, and suddenly you’re eating garri on day 18 of the month wondering what happened.

How to use this thing:

Step 1: Enter your monthly salary. Be honest, no need to lie to a calculator.

Step 2: Look at those percentage boxes. Default is 50/30/20 (Needs/Wants/Savings). This is the famous budget rule everyone swears by. 50% for rent, food, transport, all the stuff you MUST pay. 30% for enjoyment (yes, you deserve to chop life small). 20% goes to savings and future you.

But here’s the thing, you can change those numbers. If your rent alone is eating 40% of your salary (Lagos people, I see you), adjust it. If you’re serious about hitting a savings goal, push that percentage up. The calculator doesn’t judge.

Step 3: Hit “Calculate My Budget” and boom. You now see exactly how much should go where.

That breakdown you just got? Screenshot it. Set it as your phone wallpaper if you have to. When your friends are planning that trip to Ibadan and you’re tempted to blow your rent money, check the breakdown. When Jumia is having a flash sale, check the breakdown.

Do this calculation the day your salary hits, BEFORE you start spending. Move the money into different accounts or spots immediately. Don’t leave it in one place thinking “I’ll remember.” You won’t. Your brain will convince you that you have more than you actually have.

This isn’t about being stingy. It’s about being intentional. It’s about eating jollof in December because you planned in July, not because you got lucky.