Live CBN & Latest DMO Rates

Nigeria's Smartest Investment
Calculator

Calculate real returns on FGN Bonds, Treasury Bills, Fixed Deposits, Money Market Funds and more — with live CBN rates and the latest published DMO rates.

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Market Rates

⚠USD/NGN and Treasury Bill rates are auto-updated from CBN. FGN Bond and fund rates are indicative — manually verified. Hover any rate for its source, publication date and next update. Verify with DMO/CBN before investing.

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Investment Calculators

Calculate Every Nigerian Investment

Six dedicated calculators covering every major Nigerian investment instrument. Live rates, accurate formulas, instant results.

14.716% p.a.

FGN Savings Bond

Government-backed quarterly coupon bonds. Very low default risk, tax-exempt returns.

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17.66% p.a.

Treasury Bills

Short-term CBN discount instruments. 91, 182, and 364-day tenors available.

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22.09% p.a.

Money Market Fund

Daily liquid, high-yield naira funds managed by top Nigerian asset managers.

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16.0% p.a.

Fixed Deposit

Lock in fixed bank rates for 30 to 365+ days. Compare across major banks.

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24.3% p.a.

Mutual Fund

Equity, balanced, and fixed-income funds. Project NAV growth over any horizon.

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9.0% p.a.

Dollar Fund

Earn USD returns with naira depreciation uplift. Risevest, ARM, and more.

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Premium Tools

Beyond Basic Calculators

Advanced tools that help you build, plan, and optimise your Nigerian investment strategy.

Multi-instrument allocation engine

Portfolio Builder

Allocate across multiple Nigerian instruments. Get blended yield, projected income, 5-year projection, and visual breakdown.

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How much to invest to reach your goal

Goal Planner

Set a financial target — buy a house, build retirement, fund education. Get exact monthly or lump sum requirements.

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Real returns after Nigerian inflation

Inflation Adjuster

At 32% NBS inflation, most returns lose value. See your real purchasing power and discover which instruments truly beat inflation.

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Compare any two instruments side by side

Investment Comparator

Put FGN Bond vs NTB, or FD vs MMF head-to-head. Same amount, same period. See returns, tax, liquidity, risk — all compared.

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Why CheckInvestNg

Built for Nigerian Investors

Generic investment tools don't understand Nigerian instruments. We do.

Live & Verified Rate Data

Every calculator reads one source of truth. USD/NGN updates every 4 hours and Treasury-bill & inflation rates daily from the CBN data API; FGN bond, MPR and fund rates are manually verified against DMO/CBN and stamped with the date checked.

Synced with CBN & DMO publications

₦ & $ Support

Calculate in Nigerian Naira or US Dollars using real-time CBN exchange rates. Toggle currencies at any time.

Real-time USD/NGN conversion

Mathematically Verified

Every formula — from NTB discount pricing to FGN coupon schedules — is cross-checked against official DMO and CBN documentation.

Cross-checked against DMO/CBN docs
₦50M+Calculated
6Investment Instruments
LiveCBN Rates
100%Free
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