Premium Tool

Inflation Adjuster

At Nigeria's 15.9% inflation rate, low-yield investments lose purchasing power. Discover what your returns are really worth.

At 17.66%, you beat inflation by 1.75% — real gain of 1.51% p.a.

To break even at 15.9% inflation, you must earn at least 15.91% nominal.

Parameters

1.0%40.0%
5.0%60.0%
NBS Default: 15.9%
₦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

₦2.25M

Real Purchasing Power

₦1.08M

Real Rate (Fisher)

1.51%

Purchasing Power Lost

₦1.18M

Key Insight: At 15.9% inflation, your ₦1.00M investment needs to grow to ₦2.09M in 5 years just to break even in real terms. You currently earn ₦2.25M — above that.

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Nominal Value vs. Real Purchasing Power

The gap between the lines shows inflation erosion.

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Which Instruments Beat Inflation?

At 15.9% inflation rate

Money Market Fund22.09% nominal+5.33% real
NTB 364-Day17.66% nominal+1.51% real
Fixed Deposit16.00% nominal+0.08% real
FGN Savings Bond 3yr15.72% nominal-0.17% real
FGN Savings Bond 2yr14.72% nominal-1.03% real
Dollar Fund (NGN equiv)9.00% nominal-5.96% real
Savings Account4.00% nominal-10.28% real
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