What this actually does: Gives you the real math on whether your side hustle is ready to be your main hustle, or if you’re about to make a terrible decision because you saw someone on Twitter claim they’re “financially free.”

Why this calculator exists: You’re tired. Your side hustle is growing. You’re dreaming of quitting your job. Your 9-5 is soul-crushing but it pays the bills. You need someone to tell you the truth without the motivational speaker nonsense. This is that truth.

How to fill it honestly:

Your 9-5 monthly salary is the safety net you’re thinking of abandoning. ₦250,000? ₦400,000? Whatever it is, write it down and remember that this money hits your account every month whether you feel like working or not.

Job security rating, be honest. Is your company stable (4-5 stars) or are they doing “restructuring” every quarter (1-2 stars)? This matters because you might be leaving a sinking ship anyway.

Job satisfaction is different from security. You might have a very stable job you absolutely hate (high security, low satisfaction) or love a job that might disappear (low security, high satisfaction). Rate 1 to 5 stars.

Side hustle current monthly income is crucial. Not your best month. Not projected income. Actual average over the last 3 months. If you made ₦150k once and ₦30k the other months, your average is ₦70k, not ₦150k.

Growth potential over next 12 months requires research and honesty. Could you realistically double your side hustle income if you worked on it full-time? Triple it? Stay the same because you’re already maxed out? Pick the option that matches reality, not hope.

Hours per week on side hustle shows your commitment. If you’re doing 15 hours weekly while employed and making ₦100k monthly from it, going full-time (40+ hours) might triple that to ₦300k+. Or it might not scale that way. Think about your specific hustle.

Passion level matters more than people admit. Running a business you hate is worse than a job you hate because you can’t even complain to HR. Rate 1 to 5 stars. Be brutally honest.

The calculator’s judgment:

Current total shows what you’re making now (job + hustle). That’s your security.

Full-time potential estimates what your hustle could become if it’s your only focus. This uses your hourly rate and scales it up, factors in growth, and gives you a realistic number.

Risk score tells you how dangerous quitting would be. Very high risk? Don’t do it. Low risk? Maybe you’re ready.

Happiness index combines your passion for the hustle with your dissatisfaction with your job. Higher is better for making the jump.

Break-even time tells you how long until your full-time hustle matches your current job salary. If it says 8 months, you need to survive 8 months of probably making less.

Scenario 1: Not ready ₦250k job salary, 4-star security, 2-star satisfaction. ₦80k monthly side hustle, 100% growth potential, 12 hours weekly, 4-star passion. Calculator says: Keep building. You’re 32% of the way there. Your hustle at full-time might only hit ₦240k monthly even with growth. You’d be quitting security for uncertainty and barely breaking even. Give it another year.

Scenario 2: Almost there ₦300k job salary, 2-star security, 2-star satisfaction. ₦200k monthly side hustle, 200% growth potential, 20 hours weekly, 5-star passion. Calculator says: Not yet, but soon. Your hustle could hit ₦600k+ full-time with that growth rate. Build it to ₦250k monthly consistently for 6 months first, then make the jump with confidence.

Scenario 3: Go time ₦250k job salary, 3-star security, 1-star satisfaction. ₦180k monthly side hustle, 300% growth potential, 15 hours weekly, 5-star passion. Calculator says: Go for it. You’re 72% there already while working part-time. Full-time focus with that growth potential could easily hit ₦500k+ monthly. Your job is killing you anyway. Plan your exit.

What people get wrong: They quit based on one good month. They quit because someone on social media said “take the leap.” They quit without running the numbers. Don’t be those people. Use this calculator first.