FLAGSHIP #5 · TAX, LOAN APR & TENANCY COMPLIANCEPITA PAYE Engine · FCCPC Loan APR Auditor · Lagos/Abuja Tenancy Move-In Solver
PAYE Net Salary, Predatory Loan APR & Tenancy Move-In Solver
Verify your exact monthly net take-home pay, unmask hidden 300%+ APR loan app charges before borrowing, and audit Lagos/Abuja rent packages against statutory 10% agency & legal fee caps.
TOOL 5A · NIGERIA PAYE & NET TAKE-HOME ENGINE
Monthly Gross Salary → Statutory Net Pay
Net Monthly Take-Home Pay₦491,387
- Gross Monthly Income
- ₦650,000
- Statutory Pension (8%)
- -₦52,000
- National Housing Fund (2.5%)
- -₦16,250
- Monthly PAYE Tax (13.9% Eff.)
- -₦90,363
- Annual Consolidated Relief (CRA)
- ₦1,596,200/yr tax-free
TOOL 5B · PREDATORY LOAN APP APR UNMASKER
7-Day / 14-Day Loan App True Annualized Cost
True Annualized Percentage Rate (APR)920.2% APR
- Actual Cash Received in Bank
- ₦42,500
- Total Interest + Hidden Upfront Fee
- ₦15,000
- Effective 14-Day Cost
- 35.3% in 14 days
TOOL 5C · LAGOS & ABUJA TENANCY MOVE-IN PACKAGE & STATUTORY CAP AUDITOR
Rent + Agency + Legal + Caution + Service Charge True Move-In Solver
Total Day-1 Move-In Cash Required₦3,600,000
- Base Annual Rent
- ₦2,500,000
- Agency Fee (10%)
- ₦250,000
- Legal Fee (10%)
- ₦250,000
- Caution Deposit (10%)
- ₦250,000
- Estate Service Charge
- ₦350,000
- Statutory Cap Compliance
- COMPLIANT (Lagos Law)