Interactive Tools

The Tool Catalog

Every calculator referenced across the Journal lives here first. Use one right now, grab the embed code to put it on your own site, or open articles/_TEMPLATE.js to see how a tool gets dropped into a new article with a single line: ${embedTool('file.html', { height, title })}.

Loan Feasibility Checker — Checks whether a loan's interest rate is cheap leverage or bad debt, against a risk-free benchmark.

The "Credit Trap" Calculator — Standard bank amortization math: monthly deduction, total repayment, and total interest on any loan.

NDIC Coverage Calculator — Splits a bank balance into the NDIC-insured portion and the portion exposed if the bank fails.

Idle Cash Calculator — Audits how much of a savings account balance is "lazy money" quietly losing to inflation.

FX Impact Calculator — Shows how much pressure a single purchase puts on Nigeria's FX reserves.

Regulatory Squeeze Calculator — Models the liquidity squeeze created by simultaneous CBN, SEC, and NAICOM capital raises.

Investor Personality Test — A short quiz that places you in one of the "Three Rooms" of investing.

The Consumption Audit — Puts a real Naira price tag on lifestyle leaks like betting, data, and takeout.

Insolvency Detector — Flags negative shareholders' funds and working-capital red flags from 4 balance-sheet numbers.

The Small Money Index — Turns a small recurring spend habit — like a daily pack of Indomie — into its 5-year opportunity cost in the stock market.

Take-Home Pay Calculator — Estimates PAYE and net monthly pay under the new personal income tax bands.

Remittance Cost Comparator — Compares how much of a diaspora transfer actually arrives as Naira, by channel.

"Japa Insurance" Fund Calculator — Shows how many months you could survive with zero income, right now.

Startup Runway Calculator — Turns cash-in-bank and monthly burn into a runway estimate and a zero-cash date.

The Real Pay Cut Calculator — Checks whether a raise actually beat inflation, or was a real-terms pay cut in disguise.

Bank Health Checker — Checks a bank's disclosed capital against its CBN recapitalization tier target.