What is the Free Nigerian Income Tax Calculator?

Our Free Income Tax Calculator makes it simple to understand how much personal income tax you’re paying and what your actual take-home income is, whether you’re a salary earner, contractor, or freelancer.

Just input your gross salary and basic deductions like pension and NHF, and the tool instantly calculates your taxable income, reliefs you’re entitled to, your income tax payable, and net income, clearly showing how much goes to tax and what you take home.

You don’t need to know the formulas or remember all the tax rates. The calculator automatically applies the correct PAYE tax bands and reliefs according to Old and New Nigerian tax rules, giving you clear, accurate results every time.

What you'll get

This income tax calculator provides you with instant and accurate PAYE tax calculations tailored to Nigerian tax rules. You’ll also get:

• A breakdown of pension, NHF, and other statutory deductions
• Computed taxable income before and after reliefs
• Income tax payable and net income (annual and monthly)
• Option to compare old and new PAYE rules
• Simple, beginner-friendly layout, no accounting experience needed

How the PAYE Tax Calculator Works

1. Enter your gross salary: input your total annual earnings in naira.
2. Add your deductions: include pension (8%), NHF (2.5%), and other statutory deductions.
3. Let the calculator compute automatically:
   • Taxable income before reliefs
   • Applicable reliefs (Consolidated Relief or Rent Relief, depending on the rule)
   • Chargeable income after reliefs
   • Tax payable based on official tax bands
   • Your final net income after tax

You can also toggle between the old and new tax systems to see how the new rates and reliefs affect your salary.

Why Use the Free Income Tax Calculator?

Taxes can be confusing, but they don’t have to be. Our free Income Tax Calculator makes it easy to see exactly how your income tax is computed. Every deduction, every relief, every naira.

Benefits

• Transparency: Understand how your PAYE tax is calculated.
• Simplicity: Get instant results with zero manual work.
• Accuracy: Uses up-to-date Nigerian tax laws and official rates.
• Educational: Learn how deductions and reliefs affect your taxable income.
• Flexibility: Compare old and new tax structures to see what’s changed.

Understanding Your PAYE Tax Result

• Taxable Income Before Reliefs: Gross income minus pension and other statutory deductions.
• Reliefs Applied: Old Rule – Consolidated Relief Allowance (CRA); New Rule – Rent Relief (based on your annual rent).
• Taxable Income After Reliefs: The amount subject to tax.
• Income Tax Payable: The total PAYE tax owed.
• Net Income (Take-Home Pay): Your salary after tax deductions.

You can view these annually or monthly, making it easier to plan and budget.

Common Mistakes to Avoid

• Using net salary instead of gross salary
• Forgetting to include pension or NHF deductions
• Applying the wrong tax reliefs
• Using outdated PAYE tax bands (Note that the old rules stop being applicable in 2026)

Ready to Calculate Your PAYE Tax?

Use the Free Income Tax Calculator to instantly find out how much your PAYE deductions are, and what your real take-home pay is.

No signup or spreadsheet required, just accurate results in seconds. You’ll also see how Nigeria’s new tax rule compares to the old one, so you understand exactly how the changes affect your pocket. For more advanced features like income and expense tracking and reporting, consider signing up for Tyms .