Nigeria Net Pay Calculator
Calculate your exact take home salary after PAYE tax, pension contributions, and National Housing Fund (NHF) deductions. Free salary calculator with latest Nigeria tax rates updated for 2025 guidelines with 2026 preview.
How It Works
Calculate your net pay and salary deductions in Nigeria with our free pay calculator in 3 simple steps
1. Enter Your Salary
Input your gross or net monthly salary in NGN and select your preferred deduction options and tax year.
2. Automatic Calculation
Our calculator applies current Nigeria tax rates, pension contributions, and NHF automatically based on FIRS guidelines.
3. Get Results & Insights
View your detailed breakdown, AI insights, and download a PDF report for your records.
Frequently Asked Questions
Answers to common questions about our tool.
This calculator uses the latest Nigeria tax rates and bands from the Federal Inland Revenue Service (FIRS). It includes PAYE, pension contributions, NHF deductions, and Consolidated Relief Allowance calculations based on current FIRS guidelines and is regularly updated when tax rates change.
Yes, the calculator includes PAYE tax, pension contributions (8% employee share), National Housing Fund (NHF) at 2.5% capped at ₦12,000 monthly, and the Consolidated Relief Allowance of ₦200,000 plus 20% of earned income. All calculations follow current FIRS guidelines.
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 rates are the current system with 7% starting rate and maximum 24%. The 2026 preview shows the new system starting January 2026 with 0% on first ₦800,000 and maximum 25%. You can toggle between both to compare.
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.
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