Live · NTA 2025 Compliant

What's Your Real
Take-Home Pay
Under the New Tax Law?

Nigeria's new Tax Act is live from January 2026. Most Nigerians still don't know how it affects them. Find out in 30 seconds — free.

Calculate My Take-Home → How It Works
₦800k
Fully exempt bracket
6
Old laws merged into 1
25%
Max rate (vs 24% old)
✓ NTA 2025 Tax Bands
✓ Pension & NHF Deductions
✓ Old vs New Comparison
✓ PDF Report Available
✓ 100% Private — No Data Stored
What You Get
Everything in One Place
📊
Real Bracket Breakdown
See exactly which portion of your income falls in each tax band — not just a final number, but the full picture.
⚖️
Old vs New Comparison
Instantly see whether you're paying more or less under the NTA 2025 versus the old PITA regime.
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All Reliefs Included
Pension, NHF, NHIS, rent relief — all built in so your calculation reflects your real taxable income.
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Professional PDF Report
Download a printable, shareable tax breakdown report — perfect for HR conversations or personal records.
📱
WhatsApp Ready
Share your result directly to WhatsApp with a formatted message your friends and colleagues will understand.
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Zero Data Stored
Everything runs in your browser. Your salary figures never leave your device. No account required.
Process
Done in Under a Minute
01
Enter Your Salary
Annual or monthly — whichever you know. We handle the conversion.
02
Add Your Deductions
Toggle pension, NHF, NHIS, and rent relief to get your true taxable income.
03
See Your Results
Instant take-home, tax owed, bracket breakdown, and old-vs-new savings.
04
Download or Share
Get your PDF report or share your result to WhatsApp instantly.
Calculator
Calculate Your 2026 Pay
Your Gross Salary
₦
Deductions & Reliefs
Pension (8%)
Employee contribution
NHF (2.5%)
National Housing Fund
Annual Rent Paid (₦)
20% relief, max ₦500,000/yr
NHIS Contribution (₦/yr)
Fully deductible
₦
Enter your salary above to see your 2026 take-home
After You Calculate
File Your Tax — Find Your State

Every Nigerian state has its own Internal Revenue Service. Click your state below to go directly to their official tax filing website.

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Federal
Nigeria Revenue Service (NRS)
Formerly FIRS · Federal taxes, TIN registration, VAT
Visit NRS →
FCT · Abuja
FCT Internal Revenue Service
Federal Capital Territory — PAYE, WHT, CGT, Stamp Duties
Visit FCT-IRS →
36 States

Links go directly to official state government tax portals. If a link doesn't load, search "[State Name] Internal Revenue Service" to find their current website.

Questions
Common Questions
Who is fully exempt from PAYE in 2026? +
Under the NTA 2025, individuals earning ₦800,000 or less annually (about ₦66,667/month) pay zero income tax. This is a significant change from the old law which taxed income from the first naira.
What are the new tax brackets? +
The new bands are: 0% on first ₦800k, 15% on ₦800k–₦2.2M, 18% on ₦2.2M–₦9M, 21% on ₦9M–₦18M, 23% on ₦18M–₦26M, and 25% above ₦26M. These apply to taxable income after all reliefs.
Is pension still deductible? +
Yes. Your 8% employee pension contribution remains deductible from gross salary before tax is calculated. NHF (2.5%), NHIS contributions, and qualifying rent payments also remain deductible.
How accurate is this calculator? +
The calculator uses the official NTA 2025 tax bands and standard deduction rules. Results are estimates for guidance. For payroll with complex benefits or allowances, consult your HR or a tax professional.
Is my data safe? +
Completely. The entire calculator runs in your browser. No salary data is ever sent to any server or stored anywhere. You can even use it offline once the page loads.