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Your next step starts with what you have.
Tell us what you have, where you live, what you can do and what you want—we’ll show opportunities that may fit.
Explore online jobs, physical businesses and investing with a clear view of the costs, effort and risks. Start with your circumstances—not someone else’s success story.
A fit worth checking
Your budget
Capital you can use without putting essentials at risk.
Your location and skills
Local demand, available tools and work you can realistically deliver.
Your time and risk limits
Options that leave room for your responsibilities.
Check the numbers before the next step
Three practical calculation guides for business decisions.
These are worked methods, not interactive calculators. Use your own current figures in ₦ and keep a record of your assumptions.
01
Startup budget
Inputs: equipment, opening stock, setup fees, deposits, working capital and contingency.
Method: add one-off costs and the cash needed to operate before customers pay.
Example: ₦40,000 equipment + ₦30,000 stock + ₦20,000 operating reserve + ₦10,000 contingency = ₦100,000.
Illustrative figures only. A reserve is not a guarantee that the budget will be sufficient.
02
Break-even sales
Inputs: fixed costs per month, selling price per unit and variable cost per unit.
Method: fixed costs ÷ (price − variable cost). Round up to a whole unit.
Example: ₦30,000 ÷ (₦2,000 − ₦1,400) = 50 units per month.
If the selling price is no higher than the variable cost, this method cannot produce a viable break-even target.
03
Estimated operating profit
Inputs: sales, cost of goods and operating expenses for the same period.
Method: sales − cost of goods − operating expenses.
Example: ₦150,000 − ₦90,000 − ₦35,000 = ₦25,000 before any uncounted tax, financing or owner-pay costs.
This illustration is not an income forecast. Cash received and accounting profit can differ.
How should I use an estimate?
Use consistent periods and avoid counting the same expense twice. Test lower sales and higher costs. Include taxes, borrowing costs and owner pay where relevant, and seek qualified advice for complex decisions.
Before you commit your money or time
- Price the full picture. Include equipment, data, electricity, transport, rent, fees and a contingency—not only the headline startup cost.
- Verify the demand or offer. Speak to potential customers. For work, confirm the employer and payment terms. For investments, check the provider’s status with the relevant regulator.
- Understand the downside. What happens if sales are slow, a client does not pay or you need your money early?
- Separate revenue from profit. Deduct all relevant costs before treating a figure as income you can spend.
- Test assumptions. Compare cautious, expected and optimistic scenarios. Do not rely on one attractive estimate.
- Protect essentials. Avoid committing rent, food, healthcare or emergency funds to an uncertain opportunity.
What are common warning signs?
Be cautious about guaranteed returns, pressure to act immediately, payment demands to secure a job, unverifiable identities and requests for passwords or one-time security codes. Verify independently rather than using only the contact details in an offer.