How it works

ClearNumber works backwards from the life you live today to the number you need at retirement.

1Step 1

Budget Built

List what you spend each month across six categories: Essential, Discretionary, Healthcare, Housing, Travel and Unexpected.

2Step 2

Inflation Adjusted

Grow today’s yearly spend to your retirement year at a Nigerian inflation rate (15% by default).

3Step 3

Number Locked

Take away your expected CPS / pension, then divide the gap by a 2.5% withdrawal rate. That nest egg is Your ClearNumber.

4Step 4

Action Plan

See the monthly investment that aims at Your ClearNumber, test what-if scenarios, and write your next three moves.

The maths, in one line each

  1. Total monthly expenses = the six categories added up
  2. Annual expenses today = monthly × 12
  3. Inflation factor = (1 + inflation)years to retirement
  4. Income needed at retirement = annual expenses × inflation factor
  5. Gap to fill = income needed − expected CPS / pension
  6. Your ClearNumber = gap ÷ safe withdrawal rate
  7. Monthly investment needed = the monthly saving that grows to Your ClearNumber at the return you enter

Why 15% inflation and 2.5%?

Nigeria’s long-run inflation has averaged around 16% and has often run far higher recently. The US “4% rule” was built for 2–3% inflation and steadier markets, so it does not transfer well.

Nigerian guidelines (for example Piggyvest’s “Naija FIRE” framework) use 2–2.5%, so ClearNumber defaults to 2.5%: a nest egg of about 40× your yearly spend. You can change both to see what moves.

These are planning guidelines from historical data, not guarantees.

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