Home / Goal planner
Turn a goal into a monthly number
Choose a goal, set the amount in today's money and the years to get there. The planner adds inflation, counts what you already have and shows the monthly saving at three example rates.
Balanced example mix
My plan
Add goals from the left to build one monthly total.
Example rates for illustration only. They are not promised returns: investments can fall as well as rise, and past performance is not a guide to the future.
Bring your plan to life
Send your goals to the team and an adviser will check the numbers, then call or WhatsApp you to talk them through. No charge for the check.
- A real person reviews your numbers within a working day
- We point out anything that looks too tight or too risky
- No obligation to book a review
The assumptions, in the open
Planning is only as honest as its assumptions, so here they are.
Inflation first
Your goal is grown by the inflation assumption each year, so N30m today might mean N69m in six years at 15%.
Monthly compounding
Savings are assumed to go in monthly and grow at the example annual rate, compounded monthly.
A range, not a line
The shaded band shows outcomes four points above and below the example rate. Real results can fall outside it.
About the planner
Are these rates what I will earn?
No. They are example rates used to illustrate planning. Your actual returns will differ, and investments can lose value.
Why is the future goal so large?
Because of inflation. At 15% a year prices double roughly every five years. Planning in future naira avoids nasty surprises.
Is my data saved?
No. The planner runs in your browser and keeps nothing once you leave the page, unless you choose to send it to us.
Can I plan in dollars?
Use the school fees abroad calculator for dollar costs. In your review we plan naira and dollar goals together.
Start with a planning review
Sixty minutes with an adviser at our Ajah office or on a video call. We look at your goals, your cash flow and what you already own, then write it up. The N25,000 review fee comes off your plan fee if you go ahead.