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.
Cotonou Car Import Duty Calculator
LIVEEstimate clearing cost via Cotonou into Nigeria (tokunbo) or Ghana (home used car). Transparent 2026 breakdown.
Dar es Salaam Car Import Duty Calculator
LIVEEstimate TRA duty, excise by engine size, VAT and levies to import a car to Tanzania via Dar es Salaam. Transparent 2026 breakdown.
Import a Car to Zambia via Dar es Salaam
LIVETwo-stage route: in-bond transit at Dar (no Tanzanian duty) + ZRA specific duty and carbon surtax at Nakonde. The hybrid-model accuracy competitors miss.
Crypto Rates (USDT, BTC) in African Currencies
LIVELive USDT/USDC/BTC/ETH rates in NGN, GHS, KES, ZAR and more, with spot vs P2P. Informational only, derived from the site's live USD rates.
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.