Take-home pay calculator for Nigeria

Monthly net pay after pension and PAYE under the 2026 tax bands, with rent relief, NHF and NHIS. Each result shows the source behind it and the date it was checked. Nothing you type leaves your browser.

Calculators

Take-home payPay calculator: pension, NHF, rent relief, PAYE on the 2026 bands and monthly pay after deductions
Net pay for every monthly salaryMonthly net pay after pension and PAYE from ₦100,000 to ₦5,000,000 (the 2026 net pay table)

Guides

Nigeria PAYE tax bands 2026: how the new bands work, with an exampleThe six annual bands and a worked ₦500,000 a month example
Nigeria 2026: rent relief, pension and NHF, and what replaced the CRARent relief, pension, NHF and what replaced the CRA

All guides

2026 key rates at a glance

First ₦800,000 of chargeable income a year	Nil
₦800,000 to ₦3,000,000 of chargeable income a year	15%
₦3,000,000 to ₦12,000,000 of chargeable income a year	18%
₦12,000,000 to ₦25,000,000 of chargeable income a year	21%
₦25,000,000 to ₦50,000,000 of chargeable income a year	23%
Over ₦50,000,000 of chargeable income a year	25%
Rent relief, share of annual rent	20% up to ₦500,000 a year
Employee pension, share of monthly emoluments	8%
National Housing Fund, share of basic salary	2.5%
Consolidated Relief Allowance	Abolished from 1 January 2026

The bands are from the Nigeria Tax Act 2025, in force from 1 January 2026. They were read on secondary guides because the official text could not be opened. Every value, its source and the date it was checked is on Sources and rates.