Know your number.
ClearNumber NG
Turn your real monthly expenses into a clear Nigerian retirement number, and the monthly investment it takes to get there. Built for naira, CPS and Nigerian inflation.
Just curious? Try the free calculator →
How it works
Four steps from today’s budget to Your ClearNumber
No jargon. You bring your real numbers; the method does the rest.
Budget Built
List what you spend each month across six categories: Essential, Discretionary, Healthcare, Housing, Travel and Unexpected.
Inflation Adjusted
Grow today’s yearly spend to your retirement year at a Nigerian inflation rate (15% by default).
Number Locked
Take away your expected CPS / pension, then divide the gap by a 2.5% withdrawal rate. That nest egg is Your ClearNumber.
Action Plan
See the monthly investment that aims at Your ClearNumber, test what-if scenarios, and write your next three moves.
Self-paced
The ClearNumber Challenge
Work through the four steps on your own time, on your phone or laptop. Finish with Your ClearNumber, a monthly target, a certificate, and a 30-minute call to review your results.
- Guided 4-step flow: Budget Built → Inflation Adjusted → Number Locked → Action Plan
- Live calculator with Nigeria defaults (₦, 15% inflation, 2.5% withdrawal rate)
- Downloadable expense worksheet + Excel template (v3, with scenario what-ifs)
- Digital certificate of completion (PDF)
- One 30-minute results review call with the lead consultant
For companies & groups
Instructor-led workshops
A practical half-day session, virtual or in person. Every participant leaves with their own number and an action plan. Sessions can be tailored to your organisation.
Virtual half-day
From ₦85,000 per person, or ₦750,000 for a team of up to 20.
In-person half-day
From ₦120,000 per person, or ₦1,100,000 for a team of up to 20.
What teams get
- Workbook, worksheet and Excel template
- Live “Build Your Number” challenge
- What-if scenario cards: inflation 20%, healthcare shock, retire at 65
- Certificates for every participant
- Optional self-paced licences for staff
Built for Nigeria
Not a copy of a foreign calculator
Most retirement tools assume 2–3% inflation and a 4% withdrawal rule. Nigeria is different, so the defaults are too.
Inflation that bites
Defaults to 15% a year, and lets you test 20% or more. Your yearly spend is grown to your retirement year before anything else.
CPS / pension aware
Enter what you expect from your RSA under the Contributory Pension Scheme. ClearNumber only asks you to fund the gap.
Naira first
Every figure in ₦. A 2.5% withdrawal rate (about 40× yearly spend), in line with Nigerian guidelines, instead of the US 4% rule.