The Effect of Financial Calculations in the Nigerian Economy

It is true that tiny drops of water can make an ocean but time interval at which it drops and its consistency are the keys. No child becomes an adult within the space of one year. It takes several years of growth and development for that dream to become an obvious reality. One is not left in the dark on the effect of financial calculations in the economy except they’ve chosen to be intentionally blind to its truth.

The economy of a nation or a person can be affected in no small way by certain financial calculations like taxes,charges etc both positively and negatively depending on who receives and who gives. A nation involved in international trade have the responsibility of paying certain levies saddled on her shoulder, some of which might be too high and could possibly devalue her currency.

Business owners also owe it to certain government bodies to pay taxes at a fixed rate which might possibly increase with the fleeting of years and takes no consideration of the woes and fortunes of the business owner per time. Though it is a decent source of fund that can be cruel to those it is being sourced from,revenues are being generated when these funds are invested in certain sectors that have been known for wholesale delivery of bountiful returns,which in turn can serve as a means of giving back to the society and people who labour to make policies, enforce and carry it out in different strata of the working sector.

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Why Should Everyone Use Nickzom Calculator?

Nickzom Calculator


The Nickzom Calculator has been in existence since 2013, launched on the 2nd of December, and has had major developments in its functionality till date with the Pro version Nickzom Calculator+ coming in place. This app is user friendly, easy navigation and requires no Internet connection after installation. Not enough, there’s more.

The Nickzom Calculator is a web, mobile and desktop platform that solves calculation problems and display the steps of the solution right to the final answer.

Now imagine you have a calculation to solve and you do not know how to go about it or you have consulted your textbook to see how various questions are solved and you’re utterly disappointed because, they solved only the simpler ones, or you don’t just get how the problem was solved. It is because of situations like this that Nickzom Calculator exists. This app solves calculations on Mathematics, Physics, Engineering, Chemistry, Finance, Accounting, Geology, Economics, Unit Conversions etcetera for quick and easy understanding.

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The Importance of STEM (Science, Technological, Engineering and Mathematics) in Nigeria

Every new development, be it positive or negative has its importance and disadvantages as well. Its importance gives it a penetration advantage to be valued and appreciated in spite of its disadvantages. Just like the reality of sickness created opportunities for doctors to be valued and appreciated in their sphere of influence for saving lives, Science, Technology, Engineering and Mathematics have not done any less. Not only does it create opportunities, it also suggests ways those opportunities can be harnessed.


In our present age of growing advancement, the importance of STEM (Science, Technology, Engineering and Mathematics) cannot be overemphasized as its relevance finds expression in our day to day activities as humans ranging from the alarm clocks that greet us in the morning, the alarm bells that alerts us of a visitor, the automobiles that convey us to our places of work and the stair lifts that finally lands us on the floor of our offices. Its importance is not only appreciated in the industries, roads and all other obvious infrastructure where it is easily spotted but has also been domesticated such that some equipment used in the preparation of sumptuous meals owe its allegiance to them.

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Advantages and Disadvantages of Calculators

The technology is booming, and modern innovations and technology has changed our lives. There is a huge debate in our society, whether students should be allowed to use a calculator from such a young age. The advantages are balanced by the disadvantages. The debate has both positive and negative sides.

Advantages of Calculator

This technology allows students solve complicated problems quickly and in an efficient manner. Additionally, it can reduce the problem to simpler tasks and allows the student to devote more time in understanding the problem. Secondly, they are saved from monotonous calculations and the same boring mundane procedure.

The above advantages help students to avoid boredom, and it does not demoralize their mathematical understanding. If mathematics is not made entertaining, pupils can feel bored, and it can demoralize their mathematical understanding.

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The Effect of Calculators in a Professional Workplace

As a Professional, be it in Mathematics, Engineering, Medicine, Physics or any other career path, there is indeed the need to use various tools or technology in your field to achieve high end results. Sometimes these technologies are seen to produce positive results. Other times, it seems to have adverse effects

When dealing with advanced Mathematical problems, or trying to prove mathematical theorems, lots of research work, mundane steps, and records of theses findings, must be put into consideration. For example a mathematician or physicist will have to understand some programming languages, like python, Matlab etc. to compute equations and generate graphical representation to back up proof of their findings, experiments or research work, in a means to describe in terms of numbers and figures for example, the rate at which an action occurs (like the force of gravity pulling a falling stone at 9.8m/sec^2). It might also be required as a guide in helping publish a professional work or findings to other professionals in the field.

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The Top 10 Calculator Apps on Google Play Store for Android Devices

  1. NICKZOM CALCULATOR    Free/ $25.99
    The calculator encyclopedia consists of two calculators, the Nickzom and Nickzom+ calculators. The Nickzom calculator is an app that solves calculations and shows the steps on Mathematics, Physics, Engineering and Unit Conversions for quick and easy understanding.

    The goal of this math app is to provide one with solutions and steps to his or her calculations. Alongside a basic and scientific calculator. In Mathematics, Engineering, Physics and Unit Conversions, this app presents the formula, equations, parameters and operations, steps and answer to your question. The Nickzom+ has added calculator features for Health/fitness, Age, Basic, BMI, Date, Financial, Time, Time Zone, IP Subnet, Number Base and Scientific calculator and 30+ Unit Converters,
    A very lovely app, simple UI for everyone. it’s like an answer to all your problems.

  2. CALCU  Free/$1.99
    Calcu is one of the most popular calculator apps for Android. It features all of the basics. Some other features include a calculation history, memory keys, various customization features, themes, and gesture controls.

    It’s not a full scientific calculator, but it does have enough functions that goes beyond what you normally find in basic calculators with nice themes to suit your style. So if you’re looking for something a bit more than the basics, this works. The free version of the app contains ads.

    The Google Calculator provides simple and advanced mathematical functions in a beautifully designed app. Performs basic calculations such as addition, subtraction, multiplication, and division

    You can get some more complex functions by swiping in from the right side, but it’s still rather limited, with a set of functions like trigonometry, logarithm etc. which are available. The other major feature is the three-dot tab. You can tap the top of the screen to reveal a three-dot menu that allows you to change decimals to fractions—and that’s about it. There’s no history or graphing.

    Demos Graphing Calculator is a good graphing calculator app substitute for the more popular handheld graphing calculators. It can do the basic stuff like most calculator apps. There is also a variety of scientific calculator options available. It can also do statistics, tables and more. Graphs are interactive with tons of data to share.

    Additionally, tables and statistics  can be customized. It will work well for most types of academia. It’s completely free with no in-app purchases.

    Digitalchemy has developed three calculator apps on Google play store Calculator plus, Fraction calculator and Artful calculator. The Calculator plus and the Artful calculator are basic calculators but with the latter having more themes. The Fraction calculator focuses more on fraction, carrying out all calculations in fractions. The Calculator plus is perfect for shopping, doing homework, balancing checkbooks, or even calculating taxes.
    They are easy to use and beautifully designed to do things better than your phone or handheld calculator ever did.,+LLC

    Graphing Calculator by Mathlab is a scientific graphing calculator integrated with algebra and is an indispensable mathematical tool for students from high school to those in college or graduate school, or just anyone who needs more than what a basic calculator offers. It is designed to replace bulky and costly handheld graphing calculators and works on virtually any Android device or tablet. Nice 3D graphical view for better representation. Good for academic work.

    Financial Calculators is a series of calculators to help you make sense and keep track of your finances. It features various modes that can help you easily calculate anything from Return of Investments(ROI), to loan interest and even taxes. There have been reported issues with a few of the modes, but the vast majority of them work pretty well. Anyone in need of keeping up with their finances should check this out. It’s completely free with no in-app purchases. It does have ads.

    The calculator has 15 digits of significand and 3 digits of exponent in its free version and up to 100 digits of significand and 9 digits of exponent in HiPER Calc Pro. It has most of the basic scientific calculator functions, a built-in unit converter with over 200 units, and even some obscure features like a random number generator, permutations, etc.  It detects repeating decimals and numbers can also be entered as fractions or converted to fractions. The Pro version has the “expression” mode in which you can write expressions in a natural way and watch your calculations. The result is displayed as a number, simplified expression etc.

    The RealCalc Plus is the Pro version of the RealCalc calculator app,designed to look and operate exactly like a real hand-held calculator. It has all the standard scientific functions plus fractions, degrees/minutes/seconds, history, memories, customizable unit conversions and constants. You can choose from a number of display styles and formats. It also supports binary, octal and hexadecimal calculations and has an optional RPN mode. RealCalc Plus is easy to use, but has full help included in the app.

  10. CALCULATOR++    Free/$4.00
    The Calculator++ offers more than the basic calculator. This app has both a Simple and an Engineer mode. It supports a wide variety of functions, a history of everything you’ve calculated, and it can even create graphs.

    One cool feature is the swipe buttons. Swipe up on a button to activate the above option, and swipe down to activate the option below. It’s also customizable, with several different theme options available. Along with a widget for your home screen, it includes a floating window mode.
    This app does contain ads. You can get rid of ads for $4. Overall, it strikes a nice balance between being simple and functional.

    If we missed any of your best calculator apps for Android, you can tell us about them in the comments section below.

The Importance and Value of Calculators in Schools

With constant advancement in technology there is no doubt, the need to keep up with the dynamics as well as involving technology in every intrinsic part of society. Not doing so can leave a community or nation at large at the mercy of the developed worlds. The simple calculator finds its invention nearly fifty years ago, growing from the simple Abacus, to the basic digital calculator that can perform simple four-function operations (addition, division, multiplication and subtraction) to the more sophisticated machine capable of executing highly technical algebraic symbolic manipulations at high accuracy and speed. The calculator comes in various types, models, sizes and design to fit various budget and user’s preference, very portable and has found its way into various institution including schools.

But what does this mean for learning institutions?

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History and Evolution of Calculators

How long have we as a species needed to count and calculate numbers? Probably as long as our species have existed. So how did we do it back then? Well, let’s take a rather brief look at how the art of calculating has evolved over the years from fingers and pebbles to advanced computers that can perform complex calculations in split seconds. Fingers and pebbles? Well, that has to be the earliest way anyone ever calculated anything. However, the history of calculators — and by this term I do refer to any equipment or machine that makes it easier and faster to perform rather complex calculations — really begins somewhere around 2,500 to 2,000 BCE with the invention of the Abacus which was first used in Sumeria (now Iraq) and Egypt. It was a wooden frame with slide-able beads on horizontal rods.

Several centuries later, in the 17th century, Napier’s Bones was invented. The bones were thin rods inscribed with multiplication tables and when the vertical alignment of the rods are adjusted, the user can read off his multiplication totals horizontally. Napier’s bones and the abacus remained in accountant’s offices even up to the 19th century, even though other calculating inventions came up. It was in the same 17th century that the slide rule was invented. It consisted of a sliding stick that could perform rapid multiplications by using logarithmic scales and it stuck around even up to the 1980’s as it was a pocket size calculating device. Blaise Pascal also invented his Pascal’s Calculator in 1642. The first of its kind, it was a device that performed all four arithmetic operations without relying on human intelligence. It used geared wheels, was considered truly ingenious but were difficult to produce and so only a few were ever made.

Then in 1850, Thomas de Colmar launched the four function Arithmometer, the first mechanical calculator that was considered robust enough for everyday use. His invention was followed by a proliferation of mechanical calculating machines that could perform all four of the arithmetic operations quickly and accurately. The biggest issue with all these devices was that they were usually large and heavy. This problem of size was solved with the invention of the Curta Calculator in 1948 by Curt Herzstark. It was a work of staggering ingenuity at the time, small enough to be held in the hand, able to perform all four arithmetic calculations quickly and accurately and some models could display 15-digit answers (a truly remarkable feet then, considering that an iPhone 6 Plus displays 16-digit answers in scientific mode!). It was the best and the last of the mechanical calculators.

As electronics began to take over, several types of calculators were developed starting with ENIAC (Electronic Numeric Integrator And Computer) in 1946, which was a thousand times faster than electro-mechanical computers but used almost 18,000 vacuum tubes, filled a large room and used as much power as a small town. As vacuum tubes gave way to thermionic valves and then to solid state transistors and finally to microchips, electronic calculators continued to be invented from the 1960’s through the 1970’s, each new product trying to better the previous ones in terms of size, power consumption, processing ability and cost. By 1980, pocket calculators had become compact in form, powered by solar cells or button batteries, had a wide variety of functions and were very cheap.

The 1980’s saw the advent of industry-specific calculators which were tailored towards the needs of their respective industries and could perform more advanced and complicated calculations. By the 1990’s, along with the prevalence of PCs and laptops, came the mobile phones which had calculator functions programmed into them. Phones have gotten smarter ever since and calculators have always been a part of mobile phones. On today’s smart phones, one can even get some of those highly specialized types of calculators as just an app in the phone. Despite this proliferation of smartphones with calculators, the ‘dumb’ calculator has not lost its relevance as it is still the choice of people who have to work with a lot of numbers daily and is the only type of computer allowed in most exam halls around the world.

Nickzom Calculator is also one of the best calculators in the world today.

Nickzom Calculator+ 1.2.3 Is Now Available Exclusively on Android and iOS


Nickzom Calculator+ 1.2.3 is now available for you and as always was built with love.

One can now have access to solutions to calculations in vehicle dynamics of Mechanical Engineering, mass transfer and heat transfer of Chemical Engineering with an accurate outline of the formula, parameters and steps for $19.99 only.

A Few Screenshots:

Nickzom Calculator+: The Latest Trend In Solving Calculations

There is an ever-growing demand for problems and challenges to receive immediate solutions and prompt response. Society has become fast-paced, giving edge to only those who can raise their heads high and compete. The education world is not left out in this speed race. If ever there has been a push for students to perform calculations at a faster pace, it is now. One thing is sure though, in the clamour for speed, it is imperative not to sacrifice accuracy. These are two properties that must not be compromised, one for the other, because they go hand-in-hand.

Having identified the pressing need for an effective and efficient way to handle the series of calculations that plague science and engineering students, both in secondary and tertiary institutions, Nicholas Idoko, a young first-class graduate of Electrical Electronic Engineering from the Federal University of Technology Owerri, put on his thinking hat and leveraged his proficiency in programming to develop a software that provides ease and respite to anyone faced with the task of performing calculations in various fields of science and engineering.
On the 10th of April, 2018, Nickzom Calculator+ version 1.2.2 was launched. Basically, this software performs all your calculations and displays the step-by-step process taken to generate the answer. Complete with all the requisite scientific and engineering functions, the only requirement from the user is to input the correct parameters or variables for the specific mathematical operation, the problem solving process is then handled by the calculator. It is seamless, effective and highly efficient.

Nickzom Calculator+ can be deployed in over 20 fields in Physics such as: Electromagnetic Field, Electric Field, Gas Laws, Energy Quantization, Radioactivity, Equilibrium, Gravitational Field, Heat Energy, Machines, Elasticity, Simple A.C Circuit, Wave-Particle Behaviour, Energy and Power, Vector Resultant, Projectile, Motion, Pressure, Magnetic Field and Electrolysis.

In Mathematics, Nickzom Calculator+ boasts of the ability to accurately and speedily provide solutions in over 28 areas: Algebraic Identities, Logarithm, Factorial, Arithmetic and Geometric Progressions, Matrices, Complex Numbers, Partial Fraction, Mensuration, Pre-algebra, Pythagoras Theorem, Prime Numbers, Vectors, Surd, Permutations and Combinations, Simultaneous and Polynomial Equations, Indices, Sine, Cosine and Tangent Rule, Binomial Series, Longitudes and Latitudes, Compound and Simple Interests, Quadratic Equations, Surds, Statistics and much more.

Engineering is not left out. Nickzom Calculator+ can conveniently solve calculations in over 15 key areas: Calculus, Laplace Transforms, Linear Algebra, Linear Programming, Mechanics, Materials and Metallurgical Engineering, Microwave Analysis, Basic Electronic and Electrical Engineering, Chemical Engineering, Petroleum Engineering, Mechanical Engineering, Soil Mechanics and Ordinary Differential Equations.

There is more, this highly useful software offers users the ability to solve conversion related problems. Through its section called The Switches (Conversion), it deploys conversion techniques in 30 core areas: angle, area, number base, coordinaes, data, data transfer, electricity, energy, engineering, fluid, force, fraction, frequency, fuel economy, heat, length, light, magnetism, prefix, pressure, power, radiology, sound, speed, temperature, time, typography, volume, volume-lumber, weight and mass unit conversions.
Other important fields that enjoy the versatility of Nickzom Calculator+ include: Chemistry, Geology, Economics, Finance and Accounting.

Indeed, it is a full-package! One that will always be relevant and of utmost importance to students (and even professionals). It is certain that occasions arise when people get stuck in solving problems filled with calculations. There’s no gain saying that with the availability of Nickzom Calculator+ in your smartphone or on your personal computer (PC), the time and energy consumed in the process is greatly reduced. Not only that, you are at no loss on how the results are arrived at because the steps are displayed with vivid explanations.

Premised on its usefulness and value-driven innovation, Nickzom Calculator+ is enjoying increasing recommendation and public acclaim. Since its launch, it has been featured on several platforms, some of which include: Channels TV Tech Trends program, and Linda Ikeji’s blog. This further buttresses its credibility and reliability as a new and ingenious innovation. Much of the public acclaims are in form of reviews on the Google Play Store where the mobile app version of the software can be downloaded. These reviews are a genuine representation of persons who have used the Nickzom Calculator+ to perform various calculation tasks.

“The app is a great teacher, I so much like the fact that it shows me all working, I don’t need to start thinking how it came about such answer” writes Chukwu Chinomnso. Another user, Pradeep Jayani, writes, “Excellent work done and best app I’ve ever seen on Google app…” Collins Nnadozie’s review says, “The Application is top notch. I’m very impressed by the quality. It delivers what it promises.”

Considering the variety of functionalities offered by Nickzom Calculator+, it is worthy to note that it is very much affordable. The web version of the app is valued at N1500. After the initial purchase, users can renew their subscription annually at the same N1500 fee. To obtain a free version of the software, users are advised to check the demo version called Nickzom Calculator which is also obtainable on Google Play Store for android users. For iOS users, Nickzom Calculator+ can be downloaded on iTunes. Users can search for the app on the respective app stores or follow the links below:

Android users:
• Google Play Store:
• Google Play Store:
iPhone users (iOS):
• iTunes:

The web version can be accessed online on any browser via this link:

So, the question is: Why not join the fast-paced life, without sacrificing accuracy? If you are a parent, and you’ve observed how your child or ward struggles with calculations and perhaps you lack the time to assist them, then Nickzom Calculator+ is your best bet. Here’s why: it is built not only to solve the calculations, but to also teach how the solution was arrived at. How many calculators known to you can do that? Purchasing this calculator is an investment into making your child or ward calculation savvy. If you’re a student in secondary school, undergraduate or a professional in the science and engineering clime, then you must understand how important speed and precision are in performing tasks related to your discipline. This is where, Nickzom Calculator+ comes in handy. Of a truth, calculations usually follow laws, principles and formulas, when you are exposed to the principle used in solving one problem, you can always apply that principle in solving related tasks. This is the creativity that underscores Nickzom Calculator+.