📊 Budgeting & Planning
50/30/20 Budget Calculator
Split your income into needs, wants, and savings. See your current vs ideal allocation and top 3 adjustments needed.
Zero-Based Budget Template
Every naira has a job. Allocate your entire income across categories until balance = zero. Track unallocated funds.
Envelope Budgeting System
Virtual cash envelope method. Set spending limits per category and track remaining balance in each envelope.
Annual Financial Review Tool
Year-in-review dashboard. Net worth growth, savings rate, debt reduction, investment returns, and next year goal calculator.
Multiple Income Stream Tracker
Track salary, freelance, rental, dividends, gig work, and more. Get your diversification score and total monthly income.
Ramadan / Christmas Budget Planner
Plan for Ramadan, Christmas, Eid, Easter, or Back-to-School spending. 12-month savings plan and overspending warnings.
Side Hustle → Full-Time Income
When should you quit your job? Calculate when your side hustle income = 1.5× salary with 6-month emergency fund. Risk score included.
💍 Life Event Budgets — Top 15 African Economies
Wedding Budget Calculator (African)
Plan your wedding budget from the couple's perspective. Total cost, monthly savings needed, and 12-month savings plan.
Baby Cost Calculator (First Year)
One-time birth costs + monthly running costs = year 1 total. Covers hospital class, formula, childcare, and insurance needs.
Back-to-School Budget Calculator
Total school budget with term-by-term breakdown, items checklist, savings plan, and early bird discount tips.
Funeral Savings Goal Calculator
Estimate funeral cost, calculate monthly savings needed, compare insurance alternatives, and burial society options.
💰 Tax Extensions — All 54 African Countries
Withholding Tax Calculator
Calculate WHT on dividends, rent, interest, professional fees, commissions across 54 countries. Get net amount and credit info.
Turnover Tax Calculator
Small business presumptive tax. Nigeria 0.5%, Ghana 3%, Kenya 1.5%. Compare with standard corporate income tax.
Presumptive Tax Calculator
For informal sector businesses. Estimated income method. Formal vs informal tax comparison and compliance threshold.
Capital Allowances Calculator
Plant, machinery, vehicles, computers. Nigeria: 50% initial + 25% annual. Full depreciation schedule and total tax saving.
Rental Income Tax Calculator
Nigeria WHT 10%, Ghana 8% final, SA personal income. Allowable deductions, taxable income, quarterly payment schedule.
Freelancer Tax Estimator
Income tax, VAT liability, WHT credit, net tax payable, and quarterly payment schedule for African freelancers.
Excise Duty Calculator
Tobacco, alcohol, sugary drinks, luxury goods. Nigeria, Kenya, SA rates. Effective tax rate and compliance checklist.
Tax Calendar / Deadline Tracker
Never miss a tax deadline. Full year tax calendar for CIT, PAYE, VAT, WHT — days remaining to next deadline with penalty alerts.
Digital Services Tax Calculator
Kenya DST 1.5%, Nigeria 6%, SA 15% VAT, Egypt 14% VAT. Streaming, SaaS, e-commerce, ads — resident vs non-resident.
Tax Audit Risk Assessment
Score your audit risk 0–100. High turnover + low declared profit = high risk. Specific risk factors and documentation checklist.
Tax Amnesty Penalty Calculator
Calculate accumulated penalties and interest on overdue taxes. Nigeria 10% pa, Kenya 20%, SA prime rate. Voluntary disclosure savings.
Crypto Tax Calculator (Africa)
Nigeria CGT 10%, Kenya DST 3%, SA ordinary income. FIFO vs LIFO comparison and crypto reporting requirements by country.
Carbon Tax Calculator
SA R236/tonne CO₂ from 2024. Annual liability, credit offsets, net payment, trajectory with annual 6-8% increases.
Transfer Pricing Basic Checker
Check if related-party transaction prices are within arm's length range (±15%). Adjustment needed and documentation requirements.