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Investment tools

Seven working calculators for the questions people actually ask: what does an IPO application really cost, what does patience earn, what does a monthly habit build, how does a mixed portfolio grow, how much risk can I carry, and what is all that in my currency. Nothing here is advice or a forecast.

IPO subscription calculator

Applications are made in lots, and an oversubscribed offer rarely gives you everything you asked for. Pre-filled with the announced Dangote terms — ₦525 per share, minimum 10 shares.

Shares applied for
200
Subscription amount
₦105,000
Total to fund (with fees)
₦106,575
Shares if 60% allotted
120
Value of allotment
₦63,000
Expected refund
₦42,000

Live currency conversion is unavailable right now — check the rate with your bank. Allotment percentages are a what-if, not a promise: the basis of allotment is set by the issuer and regulator after the offer closes.

Dangote live tracker

Risk profile

Six questions about your timeline, your cash buffer and how you behave when things fall. The result is a starting point for a conversation, not a recommendation.

  1. 1. When would you need this money back?
  2. 2. Your holdings fall 30% in a month. What do you actually do?
  3. 3. How many months of expenses do you have in cash?
  4. 4. How steady is your income?
  5. 5. How much investing have you actually done?
  6. 6. What is this money for?

0 of 6 answered — finish all six to see your profile.

Percentages are educational illustrations of what different risk levels look like — not a portfolio built for your circumstances.

Portfolio growth

Most people do not hold one thing. Set how you split your money and what each part is assumed to earn — the blended rate does the work.

  • Global equities

    Index funds, listed shares

    55%

  • African / frontier

    NGX, JSE, NSE listings

    15%

  • Bonds / fixed income

    Government and corporate

    20%

  • Cash / savings

    Money market, deposits

    10%

Blended return
7.05%
Value after 20 years
151,421
Growth on top
86,421

Returns are your own assumptions, applied smoothly. Real portfolios fall as well as rise, and a bad first decade changes everything.

Compound growth

One amount, left alone, growing at a steady rate. Real markets do not move in straight lines — this shows the shape of patience, not a prediction.

Value after 20 years
4,661
Growth
3,661
Multiple
4.7x

Monthly investing plan

The same amount every month, whatever the market is doing. This is how most people who end up with something actually got there.

Projected value
69,669
You put in
36,000
Growth on top
33,669

Share order cost

Price times quantity is never the real number. Add your broker's commission and levies to see what leaves your account.

Shares cost
52,500
Fees
788
Total to fund
53,288

Fee percentages differ by broker and market. Use the figure on your own contract note.

Naira converter

Work out what a naira-denominated order is in the currency you earn in. Rates come from a live feed and are indicative — your bank's rate on the day is the one that counts.

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Put the numbers in context

How much to put in Currency risk IPO tracker

These are estimates

Every calculator here assumes a steady return, which no real market delivers. Results are illustrations, not projections. Swagga MONEY is journalism and education. SwaggaLIVE is not a broker, a dealer or a financial adviser, does not sell shares, does not take orders and does not receive commission on anything covered here. Confirm every figure and every channel against the official offer document, the exchange and your national regulator before you move money. Investing carries the risk of losing what you put in.