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Nigerian Salary Breakdown Tool

Enter your gross salary and see your exact take-home pay after PAYE tax, pension, NHF, and all statutory deductions — with a full tax band breakdown, cost-of-living gap analysis, and annual projection. Updated for the Nigeria Tax Act 2025 (effective January 2026).

⚡ Instant results
🇳🇬 Nigerian PAYE rates
📊 Full tax bands
🏙️ City cost gap
📤 Share HD report
📅 Annual view
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Salary Breakdown

Enter your gross salary to see your real take-home

Employment Sector
State of Employment
Gross Monthly Salary₦150,000
₦
₦20k₦5M
Allowances (included in gross)
Deduction Options
Compare Against Cost of Living
Monthly Take-Home Pay
₦0
Gross Salary
₦0
Effective Tax Rate
0%

Full Deductions Breakdown

PAYE Tax Band Breakdown
How your annual income is taxed across each bracket (Nigeria Tax Act 2025 — effective Jan 2026)
Salary Distribution — Visual
💚
Take-Home vs Cost of Living

📅 Annual Salary Picture
🎯 What These Numbers Mean for You
How to Use This Tool
1

Select Your Sector

Private, public, NGO, or self-employed. Each has different contribution rules.

2

Enter Gross Salary

This is what your offer letter says — before any deductions. Add allowances if included in your gross.

3

Choose Deductions

Toggle pension, NHF, NSITF, and life insurance based on your actual employment contract.

4

Read Your Breakdown

See take-home, tax band detail, deduction table, and how your salary compares to your city’s cost of living.

5

Share Your Report

Download an HD image or share directly to drive real conversations about Nigerian salary realities.

🇳🇬 Nigerian PAYE Tax Bands (NTA 2025 — Jan 2026)
First ₦800,000/yr0%
Next ₦2,200,000/yr (to ₦3M)15%
Next ₦9,000,000/yr (to ₦12M)18%
Next ₦13,000,000/yr (to ₦25M)21%
Next ₦25,000,000/yr (to ₦50M)23%
Above ₦50,000,000/yr25%
CRA abolished. Reliefs now: Pension (8%), NHF (2.5% of gross), and Rent Relief (20% of rent, capped ₦500k). Source: Nigeria Tax Act 2025.
Nigerian Salary Benchmarks
Tap any benchmark to auto-fill and calculate
NYSC Allowance
Corps member stipend (2025)
₦77,000
Entry Level
Graduate, 0–1 year exp
₦100,000
Average Lagos Salary
2–4 years experience
₦200,000
Mid-Career
5–8 years, manager level
₦400,000
Senior Level
Tech/Finance/Consulting
₦700,000
Executive
C-suite / Director
₦1,500,000
📤 Share Your Salary Report
Show what a Nigerian salary really looks like after all deductions — drives real conversations.
TurnetFinance
Salary Breakdown Report
Gross Salary
₦0
Take-Home Pay
₦0
Effective tax rate: 0% turnetfinance.ng/tools/salary-breakdown
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