Nigerian Monthly Budget Planner
Enter your income, city, and household type. We build your complete monthly budget — rent, food, transport, data, savings, and more — based on real Nigerian prices and the budgeting method that works for you.
Budget Planner
Fill in your details to get your full breakdown
📊 Your Budget vs Nigerian Average
| Category | Your Budget | Recommended % | Status |
|---|
Select Your City
Lagos, Abuja, or Port Harcourt. Prices are calibrated for each city’s current market.
Enter Your Income
Use your take-home pay (after tax). Add any side income separately.
Choose a Budget Method
50/30/20 is the global standard. 70/20/10 is more realistic for lower incomes.
Adjust Lifestyle Factors
Car ownership, family dependants, active loan — each adjusts the budget automatically.
Build and Share
Your full breakdown appears instantly. Save as HD image or share directly.
Rent takes the most. In Lagos, rent alone consumes 30–60% of most salaries. If it is above 40%, something else will suffer.
Transport is underestimated. A daily commute in Lagos costs ₦600–₦1,500 per day — that is ₦15k–₦35k monthly before anything else.
The 20% savings rule is hard. On salaries below ₦100k, saving 10% consistently is already excellent. Build the habit first.
Emergency fund first. Before investing, build 3 months of expenses in a PiggyVest or Cowrywise safety vault. Life in Nigeria is unpredictable.
₦150,000 Salary in Lagos: Survival, Comfort, or Struggle?
Read →Monthly Budget for a Single Nigerian: 2026 Template
Read →How Nigerians Save Money in 2026
Read →How Much Does Rent Cost in Lagos in 2026?
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