Calculate Your ClearNumber

Free, private and instant. Nothing you type leaves your browser.

Build your number

Results update as you type. Nigeria defaults are filled in; replace them with your own numbers.

Scenarios

About you

Current age

Target retirement age

Sex (optional)

Years to retirement (auto)

Sex is optional and only used for life-expectancy notes. It does not change Your ClearNumber.

Assumptions

Inflation rate %

Safe withdrawal rate %

Expected annual CPS / pension (₦)

Expected annual return % (for the monthly target)

Monthly expenses today (₦)

Essential

Discretionary

Healthcare

Housing

Travel

Unexpected

How the numbers work

Monthly expenses × 12 = annual spend today. × (1 + inflation)^years = income needed in your retirement year. − expected CPS / pension = gap to fill. ÷ withdrawal rate = Your ClearNumber. The monthly figure is what you’d invest each month, at the return you enter, to reach it by your target age.

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