Take-Home Pay Calculator

2026 BANDS

Estimated PAYE under the new personal income tax bands (₦800,000 tax-free threshold).

Relief = 20% of rent, capped at ₦500,000. Leave at 0 to skip.

Annual Tax

₦0

Monthly Take-Home

₦0

Effective Tax Rate

0%

Nigeria Tax Act 2025 bands (effective Jan 2026): 0% on the first ₦800k, then 15% to ₦3m, 18% to ₦12m, 21% to ₦25m, 23% to ₦50m, 25% above ₦50m. Estimate only — excludes pension, NHF and NHIS deductions.

Estimates PAYE and net monthly pay under the new personal income tax bands. The new personal income tax bands are now in effect. A ₦800,000 tax-free threshold sounds generous, but the bands above it were redesigned too. Here is what actually lands in your account this month.

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