Is it only me, every time my salary lands, there’s that inner debate.
“Should I invest this money?” or “Abeg, let me just save it.”

This calculator is the tiebreaker.
It shows you, with real numbers, who actually works harder for you: Stocks or Savings.

No financial jargon, no motivational quotes, just facts that might change how you move money forever.

🔍 What This Calculator Does

It compares what happens when you put your cash in stocks vs a savings account over a set number of years.

You’ll finally see:

• How much your stocks can grow (plus dividends)
• How much your savings really give you (after all that waiting)
• And which one actually makes you richer

Spoiler: one of them is definitely the lazy worker in your wallet.

⚙️ How To Use It

Step 1: Enter Your Investment Amount (₦)

Start with how much you’re planning to commit. ₦200k, ₦500k, or ₦1m just type it in.

Step 2: Add the Investment Period (Years)

How long are you willing to leave your money alone to cook?
1 year? 3 years? 5 years?
The longer it stays, the clearer the winner gets.

Step 3: Stock Section

You’ll fill in:

• Buy Price (₦): What the stock costs right now.
• Future Price (₦): What you expect it might cost later. (Be realistic, abeg.)
• Dividend Yield (%): How much the company pays you yearly for just holding their shares.

That’s your “stock side” complete.

Step 4: Savings Side

Type in your bank’s interest rate usually between 3% and 5%.
You can already guess who’s looking weak here.

Then hit Compare Options.
Now the fun begins.

📊 What You’ll See

The calculator gives you a face-off between Stocks and Savings like financial Mortal Kombat.

📈 Stocks Card:

• Shows your total value after the years you picked.
• Breaks down your capital gain, dividends, and ROI (return on investment).
• Basically, what your inner investor has been dreaming of.

🏦 Savings Card:

• Shows your total balance if you kept the same money in your savings account.
• Includes your total interest and ROI.
• The calm, safe, but slow option.

Then it crowns a winner right there.
You’ll see exactly which option gives you more money and by how much.

🏆 The Verdict

This is the part that humbles a lot of people.
You might realize your savings account gave you ₦24k, while stocks made you ₦84k from the same starting amount.

The calculator literally says “Stocks Win! 📈” or “Savings Win! 🏦”
No bias, just math.

It even shows how big the gap is, both in naira and in percentage.
So you’ll know whether you’ve been letting inflation slap your money for free.

⚠️ Risk Note (Because Real Life Isn’t a Movie)

Stocks can rise fast and fall faster.
Savings are safer, but your money can quietly lose value thanks to inflation.

That’s why smart people don’t pick only one side. They diversify.
Some in stocks for growth, some in savings for peace of mind.

💡 Why You’ll Love This Tool

Because you’ll finally stop guessing where your money should go.
You’ll see clear, side-by-side results, no long talk, no “crypto guru” speeches.

It’s the easiest way to understand what “risk vs reward” really means in naira terms.

And once you use it, every time your salary drops, you’ll stop thinking “I’ll just save it”
and start thinking “How can I make it multiply?”

⚡ Final Thought

Your money shouldn’t just chill in your account like it’s on vacation.
It should be on duty, working overtime, bringing you results.

So before you transfer that ₦200k into your savings app again, run it through this calculator first.
The numbers might just change how you see “safe money” forever.