Pay breakdown (basic, housing, transport)
These percentages split your gross pay. Pension is worked out on basic + housing + transport, and NHF on basic. “Other” is what is left. Match them to your payslip.
How to work out your take-home pay
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1. Enter your gross pay
Type your gross salary, per month or per year. Add your pay breakdown if you know it, so pension is worked out correctly.
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2. Add your deductions
Switch on pension, NHF or NHIS if your employer deducts them, and add the yearly rent you pay for rent relief.
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3. See your net pay
Get your PAYE tax, monthly take-home pay, effective tax rate and a table showing how each tax band was applied.
Why use this PAYE calculator?
Current tax rules
Uses the personal income tax bands of the Nigeria Tax Act 2025, in force from 1 January 2026: the first ₦800,000 a year is tax-free.
Shows its working
See each deduction and how much tax falls in each band, so you can check it against your payslip.
Your pay stays private
Nothing you type is uploaded or stored on our servers.
Frequently asked questions
What are the PAYE tax bands in Nigeria for 2026?
On yearly taxable income: the first ₦800,000 at 0%, the next ₦2,200,000 at 15%, the next ₦9,000,000 at 18%, the next ₦13,000,000 at 21%, the next ₦25,000,000 at 23%, and anything above ₦50,000,000 at 25%.
What is rent relief?
Under the new rules you can deduct 20% of the rent you pay in a year, up to ₦500,000, before tax is worked out. It replaces the old Consolidated Relief Allowance.
How is pension worked out?
The usual employee contribution is 8% of basic salary plus housing and transport allowances. Pension is deducted before tax. Enter your pay breakdown for an exact figure.
Why is my payslip different?
Employers may use a different pay breakdown, extra deductions, loans, unpaid leave or bonuses. This calculator gives a close estimate, so check with your payroll or a tax adviser for exact figures.
Does this work for freelancers and business owners?
It is built for employees on PAYE. Self-employed people are taxed on profit after allowable expenses, so the result is only a rough guide.
Is Salary & PAYE Tax Calculator really free to use?
Yes. It is completely free, with no sign-up, no watermark and no daily limit.
Is my information safe?
Yes. This tool works entirely inside your browser, so what you type is never sent to our servers. Anything saved for next time stays in your own browser only.
Do I need to install any software?
No. EduJobs Toolkit works in any modern browser on your phone, tablet or computer. Nothing to download or install.
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