Family Financial Planner · Ikoyi, Lagos

The Family Pot Planner

Set your contributions. Watch your goals move in real time.

Your Incomes
Nad ₦10,000,000 / mo
Monthly Income ₦10,000,000
Contribute to Family Pot 80%
Keep all Give all
TO FAMILY POT
₦8,000,000
YOU KEEP
₦2,000,000
Cherish ₦1,500,000 / mo
Monthly Income ₦1,500,000
Contribute to Family Pot 20%
Keep all Give all
TO FAMILY POT
₦300,000
SHE KEEPS
₦1,200,000
Cherish pauses income at Year 3 when children arrive
🏦 Monthly Family Pot
₦8,300,000
Combined monthly pool for all shared goals & expenses
Giving & Obligations
⛪ Tithe — Fixed at 10% of Gross
NAD
₦1,000,000
CHERISH
₦150,000
Deducted from gross income before pot contributions
Charity Giving (% of gross income) 10%
NAD GIVES
₦1,000,000
CHERISH GIVES
₦150,000
Total Monthly Giving
₦2,300,000
20% of combined gross income
Adjust Key Expenses
Annual Rent ₦16,000,000
Household Staff Budget ₦400,000/mo
Food & Groceries ₦300,000/mo
Utilities (electricity, gen, internet) ₦250,000/mo
Date Night Budget (2×/mo) ₦200,000/mo
Annual Travel Budget ₦8,400,000
Savings Targets
Emergency Fund Target ₦18,000,000
Health Fund Target ₦10,000,000
Cars Budget (total, 2 cars) ₦50,000,000
Home Purchase Target (Year 5) ₦400,000,000
School Fees Reserve (per child/yr) ₦10,000,000
Years 1–2 BOTH WORKING · NO KIDS
Years 3–4 SINGLE INCOME · BABIES
Year 5+ HOME OWNERSHIP
✦ Your plan is on track. The family pot covers all shared expenses with surplus to accelerate goals.
Family Pot
₦8.3M
per month
Fixed Expenses
—
per month
Available for Goals
—
monthly surplus
Savings Rate
—
of family pot
Monthly Pot Allocation — Phase 1
Goal Timelines
Strategic Notes
Edit Income
Enter monthly take-home amount in Naira