Nigeria Salary Calculator 2026 (PAYE, Pension & Net Take-Home)
Calculate your net take-home salary in Nigerian Naira (NGN) with our free 2026 online calculator. Accurately compute PAYE tax under PITA, mandatory 8% pension, 2.5% NHF, and Consolidated Relief Allowance (CRA).
Nigeria · Salary Calculator
Methodology
Employment income in Nigeria is taxed under the Personal Income Tax Act (PITA). Deductions include mandatory employee pension (8% of basic, housing, transport), National Housing Fund (2.5% where applicable), and progressive PAYE tax brackets ranging from 7% to 24% after applying Consolidated Relief Allowance (CRA).
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User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
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Formula basis
The formula is shown openly and no country rate is inserted automatically.
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Your estimate
AfricalHub is an independent private platform not affiliated with any government agency. Calculations are for educational planning only. Verify official filings with the relevant revenue authority or a qualified professional.
2026 Nigeria Income Tax (PAYE) & Statutory Deductions
Using Net Salary to Determine Bank Loan Affordability
👉 Check how much you can borrow based on your salary with our Nigeria Loan Calculator.
Sources
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
Frequently asked questions
How is net take-home pay calculated in Nigeria in 2026?
Net take-home pay is determined by subtracting statutory social security / pension contributions and progressive Pay-As-You-Earn (PAYE) income tax from gross taxable salary.
Are statutory deductions like pension and health levy applied automatically?
This manual-mode calculator lets you input your exact gross salary and known deductions to test planning scenarios transparently.
How does my net salary impact my bank loan borrowing capacity in Nigeria?
Commercial lenders in Nigeria cap total monthly debt service obligations to a fraction (typically 33% to 50%) of your net salary.
Do I need to download a Nigeria salary calculator app?
No. AfricalHub works instantly as a progressive web application on any mobile phone or computer without installing files or signing up.