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

⚠Treasury Bill rates are auto-updated from the CBN data API. USD/NGN is a third-party market mid-rate, not the CBN official window. FGN Bond, fund and bank rates are from their last publication and manually verified. The “fetched” time above is when we last checked, not when each source published. Each rate shows its source and publication date below it. Verify with DMO/CBN before investing.

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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16.84% p.a.

Treasury Bills

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

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23.69% 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 the latest NBS headline inflation of 15.91%, many returns lose value in real terms. 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, and each rate names its own. Treasury-bill and inflation rates update daily from the CBN data API. Money market and mutual fund yields come from the SEC weekly NAV table, and bank deposit rates from the CBN weekly deposit table. FGN bond coupons and the MPR come from the DMO and CBN and are stamped with the date checked. USD/NGN updates every 4 hours from a third-party foreign-exchange feed, not the CBN window.

CBN, DMO & SEC publications, plus a market FX feed

₦ & $ Support

Calculate in Nigerian Naira or US Dollars. Conversion uses a third-party market mid-rate refreshed every 4 hours — not the CBN official window rate. Toggle currencies at any time.

Third-party USD/NGN market mid-rate

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
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