Premium Tool
Inflation Adjuster
At Nigeria's 32.7% inflation rate, most investments lose purchasing power. Discover what your returns are really worth.
At 22.10%, you LOSE to inflation by 10.60% — real loss of 7.99% p.a.
To break even at 32.7% inflation, you must earn at least 32.70% nominal.
Parameters
1.0%40.0%
5.0%60.0%
₦100.0K₦100.00M
1 yr20 yrs
NBS Historical Inflation 2019–2024
2019
11.98%
2020
15.75%
2021
17.38%
2022
21.47%
2023
28.92%
2024
32.70%
Real Returns Analysis
Nominal Future Value
₦2.71M
Real Purchasing Power
₦659.5K
Real Rate (Fisher)
-7.99%
Purchasing Power Lost
₦2.05M
Key Insight: At 32.7% inflation, your ₦1.00M investment needs to grow to ₦4.11M in 5 years just to break even in real terms. You currently earn ₦2.71M — below that threshold.
Nominal Value vs. Real Purchasing Power
The gap between the lines shows inflation erosion.
Which Instruments Beat Inflation?
At 32.7% inflation rate
Money Market Fund21.40% nominal-8.52% real
Fixed Deposit18.50% nominal-10.70% real
FGN Savings Bond 3yr16.50% nominal-12.21% real
NTB 364-Day16.14% nominal-12.48% real
FGN Savings Bond 2yr15.50% nominal-12.96% real
Dollar Fund (NGN equiv)9.00% nominal-17.86% real
Savings Account4.00% nominal-21.63% real