Estimate your take-home salary after PAYE tax, pension contributions, and National Housing Fund (NHF) deductions. Free salary calculator with latest Nigeria tax rates updated for NTA 2025 effective January 2026.
Calculate your net pay and salary deductions in Nigeria with our free pay calculator in 3 simple steps
Input your gross or net monthly salary in NGN and select your preferred deduction options and tax year.
Our calculator applies current Nigeria tax rates, pension contributions, and NHF automatically based on FIRS guidelines.
View your detailed breakdown, AI insights, and download a PDF report for your records.
Help
Answers to common questions about our tool.
This calculator estimates take-home pay using the selected Nigeria tax year and the PAYE, pension, NHF, and rent-relief rules configured for this tool. Check your payslip or official guidance before making financial decisions.
The calculator includes PAYE tax, the selected pension contribution, National Housing Fund deductions, and rent relief for the selected tax year. Your payslip may include other employer-specific deductions.
Yes! You can switch between gross and net salary input modes. When you enter your net salary, the calculator will work backwards to determine your gross salary using current Nigerian tax rates.
The 2025 system used 7 tax bands (7% to 24%) with CRA relief. The new 2026 system under NTA 2025 has 6 bands (0% to 25%), ₦800k tax-free threshold (vs ₦300k before), abolished CRA, and introduced Rent Relief. Minimum wage earners are now completely exempt.
Employees earning ₦70,000 monthly (₦840,000 annually) or less are completely exempt from PAYE tax in Nigeria. The calculator automatically applies this exemption.
Yes! After calculating your salary, you can download a detailed PDF report that includes your complete salary breakdown, tax calculations, and AI-powered insights if enabled.
Take your career to the next level with Careergo's AI-powered resume builder and career tools. Start from just ₦350.