Money Tools for Africa
Free calculators for take-home pay, loan repayment, savings goals, and compound interest. Built around African tax rules and market rates.
Take-Home / PAYE
LIVECalculate net pay after PAYE, pension, and statutory deductions.
Loan Repayment
LIVEMonthly payment, total interest, full amortization schedule.
Savings Goal
LIVEHow much to save monthly to reach your goal, plus growth projection.
Compound Interest
LIVESee how your money grows over time. Works in any currency.
Why we built this
Mainstream personal finance calculators are almost all designed for the US or European market. The income tax brackets, pension rules, and assumed lender rates simply do not apply to a Nigerian, Ghanaian, or Kenyan salary earner. The result is that most Africans end up guessing — or using manual spreadsheets — for the most basic personal finance questions.
MomoCalc Tools fills that gap. Our Nigeria PAYE calculator uses the new Nigeria Tax Act 2025 brackets (0%, 15%, 18%, 21%, 23%, 25%) with the ₦800,000 exemption and proper treatment of PRA pension contributions. The loan calculator cites the CBN MPR as a reference point and warns explicitly about the monthly-vs-annual rate confusion (Carbon, FairMoney, Branch) that costs Nigerian borrowers the most. The savings calculator adjusts for NBS CPI inflation so you see real purchasing power, not just nominal balance.
All calculators are free, no signup, and source-cited. Nigeria first, then Ghana, Kenya, South Africa, and the rest of the continent based on traction.