You know how people brag about investing in Treasury Bills like it’s a flex? “I’m earning 18% bro!”
Yeah… not exactly.

By the time tax, broker fees, and hidden costs chop their share, that 18% turns into something else entirely.
That’s where this tool comes in. The Treasury Bills Reality Check shows you your real earnings not the fantasy numbers banks throw around.

Let’s walk through it like humans.

🧾 Step 1: Enter your Investment Amount (₦)

Start with how much you plan to invest. Maybe it’s ₦100k, ₦500k, or your full December bonus (no judgment).
Just type the number.

📈 Step 2: Type the Interest Rate (%)

This is the “official” T-Bill rate. You’ve probably seen something like 18%, 20%, or even 21% flying around on financial Twitter.
Plug that in.

🗓️ Step 3: Duration (Days)

Choose how long you want to lock your money.
91 days (3 months), 182 days (6 months), or 364 days (1 year).
Think of it like dating, the longer you commit, the better the returns, but you can’t touch the money till it’s over.

💼 Step 4: Brokerage Fees (%)

Yeah, your broker’s not working for free.
Most take around 0.125%, but if yours charges more, this is where you put it.
If you don’t know the exact number, use the default.

🔥 Step 5: Hit “Calculate Real Returns”

Now watch the magic. The calculator breaks down your T-Bills like gossip from a reliable plug.

You’ll see:

• Gross Interest: what you should earn on paper
• WHT (10%): the government’s “I saw your alert” cut
• Brokerage Fees: your middleman’s share
• Net Interest: what actually lands in your pocket
• Total Return: your capital plus the real interest
• Effective Rate: your true rate if we’re being honest

💭 Example Time

Let’s say you invest ₦500,000 at 18% for 91 days.
After tax and fees, your effective rate might drop to something like 16%.
That’s the real gist no one tells you.

So before you flex your “18% return” tweet, use this calculator first and check if you’re not actually earning less than your bank’s savings account.

🤔 Why It’s a Must-Use

Because most people think they’re getting rich off T-Bills, when they’re really just outpacing inflation by a tiny bit.
This tool gives you the truth before you tie up your money.
It’s like checking your mirror before taking that “soft life” selfie, reality first, regret later.

💡 Play With It

Try different durations.
Change the rate.
See how brokerage fees eat into your profit.
It’s the kind of experiment that’ll make you go “Ah, no wonder!”