Nigeria Business Tools & Calculators

A trader at Alaba International prices a container of phone accessories off the Alibaba quote alone, then finds out at Apapa that duty, VAT, and clearing add another third on top. A Lagos startup offers a new hire ₦400,000 a month without checking what that actually costs after pension, NHF, and the new 2026 PAYE bands. Both mistakes are avoidable, and both are exactly what these tools exist to catch before they cost you money.

Every calculator below uses real Nigerian rates, current bands, and the naira, not a generic global template with NGN bolted on. No sign-up, no paywall, free to use as many times as you need.

Import & Export

Nigeria bought over ₦14 trillion worth of goods from China in 2024 alone, and most of it moves through Apapa, Tin Can, and a handful of land borders. The gap between your supplier’s quote and what actually lands in your warehouse is where most first-time importers lose money.

• Nigerian Import Duty Calculator, customs duty, VAT, CISS and clearing costs for any HS code
• How to Calculate Import Duty in Nigeria, a step-by-step walkthrough if you have never cleared a container before
• Importing From China to Nigeria: 6 Profitable Businesses, real startup costs and margins for six product categories that actually move
• AfCFTA Tariff Lookup Tool, check whether your goods qualify for a reduced tariff trading within Africa instead

Payroll & Employee Costs

The Nigeria Tax Act 2025 rewrote PAYE from the ground up, effective 1 January 2026. The old Consolidated Relief Allowance is gone, replaced by a new six-band structure, and payroll systems that have not been updated are producing wrong numbers on every payslip.

• African PAYE Calculator, take-home pay after tax, pension and NHF, built on the new 2026 bands
• Nigeria PAYE Tax Changes 2026: What Employers Need to Know, what actually changed and who pays more or less
• African Employee True Cost Calculator, the real cost of a hire beyond gross salary, including employer-side statutory costs

Pricing & Profit

Whether you are quoting a client in naira or pricing across Nigeria and three other markets at once, knowing your real margin after every cost matters more than knowing your revenue.

• Margin & Markup Calculator, set prices that protect your margin, not just cover your costs
• African Multi-Currency Pricing Calculator, price consistently in naira, cedis, shillings and rand from one calculation
• Free Break-Even Calculator, know exactly how many units or how much revenue you need before you turn a profit

Mobile Money & Payments

Nigeria’s payment landscape runs on bank transfers, USSD, and platforms like OPay, Palmpay, and MTN MoMo, alongside card payments through Paystack and Flutterwave. Knowing what each one actually costs you per transaction adds up fast at volume.

• Mobile Money Fees Comparison, compare MTN MoMo against other mobile money providers by transaction size
• Stripe & PayPal Fee Calculator, work out what to charge if you are passing payment fees on to clients
• Social Commerce Profit Tracker, track real profit per sale across WhatsApp, Instagram, and in-person payments

Starting or Registering a Business

• African Business Registration Cost Estimator, realistic CAC registration and setup costs before you commit
• African Business Destination Comparator, compare Nigeria against other African markets if you are deciding where to expand

Agriculture & Farming

Agriculture still employs a large share of Nigeria’s workforce, and the difference between a profitable season and a break-even one usually comes down to knowing your numbers before you plant, not after.

• Crop Profit Calculator, ROI, breakeven yield, and gross profit for major crops grown in Nigeria
• Livestock Profitability Calculator, cost and revenue modelling for cattle, poultry, and goats

Frequently Asked Questions