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 NTA 2025 effective January 2026.
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 Act (NTA) 2025 rates effective January 2026. It includes PAYE, pension contributions, NHF deductions, and the new Rent Relief system. The calculator follows 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 new Rent Relief system (replaces CRA). Under NTA 2025, the first ₦800,000 annually is tax-free. 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 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.
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