Tax Set-Aside Calculator
A brand just paid you. How much of it belongs to the tax office? Put in your year and the payment, and see what to move to a savings account before you spend the rest.
From this payment, keep aside
₦47,500
You receive ₦475,000 after 5% WHT of ₦25,000. This payment's share of your year's tax is ₦72,500 (14.5% of ₦500,000); the WHT already counts towards it.
Yours to spend: ₦427,500
Your year at a glance
| Band | Rate | Tax |
|---|---|---|
| ₦0 – ₦800,000 | 0% | ₦0 |
| ₦800,000 – ₦3,000,000 | 15% | ₦330,000 |
| ₦3,000,000 – ₦12,000,000 | 18% | ₦540,000 |
About 14.5% of everything you earn. Each extra naira is taxed at 18%. Returns for 2026 are due by 31 March 2027.
Not tax advice. An estimate using the Nigeria Tax Act 2025 bands as set out in the Joint Revenue Board's 2026 Personal Income Tax Guidelines (checked 20 Oct 2026): ₦0–800k at 0%, the next ₦2.2m at 15%, next ₦9m at 18%, next ₦13m at 21%, next ₦25m at 23%, above ₦50m at 25%. It ignores NHF, NHIS, life insurance and other reliefs and any state levies. Keep your WHT receipts, they are tax credits. Ask a tax professional or your State Internal Revenue Service before you file. Nothing you type leaves your phone.
Invoicing the next one? Make the invoice with WHT worked out →
Pricing so the tax doesn’t eat your margin
How to price deals, retainers and WHT into your fee is in Your Rate in Naira and The Naira Retainer.
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