PAYE & net salary calculator

Estimate PAYE income tax and take-home pay from a monthly or annual salary, with optional pension and NHF reliefs, using Nigeria's graduated tax bands.

Gross monthly salary

₦

Total pay before tax and deductions.

Deduct 8% pension (tax-exempt)Deduct 2.5% NHF (tax-exempt)

Result (monthly)

PAYE tax₦0.00

Take-home pay₦0.00

Consolidated relief (CRA)₦200,000.00

Taxable income (annual)₦0.00

Effective tax rate0%

Estimate using PITA graduated bands (7–24%) and the Consolidated Relief Allowance. Pension/NHF are applied to gross here; strictly they're on basic + housing + transport (pension) and basic (NHF). Tax reform may change these bands, confirm with NRS or your accountant before filing. Not tax advice.