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PayClarity NG
InvoiceX

2025 vs 2026 Take-Home Calculator (Nigeria)

New PAYE bands take effect Jan 1, 2026. Compare your net pay instantly and share a clean summary with HR.

No signup for basic use
WhatsApp-ready share link
HR bulk switch kit

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See how the 2026 Reform affects your payroll

Watch this 20-minute deep dive where we explain the Nigeria Tax Act 2025 in plain English. We walk through practical examples, the new ₦800k threshold, and how to use PayClarity NG for HR impact analysis.

  • ✔ How the 0% to 25% bands are applied.
  • ✔ Why the CRA was abolished and what it means for you.
  • ✔ HR Demo: Bulk processing 2,000 staff in seconds.
Privacy-first: basic use doesn’t require an account; share links expire.
Nigeria-specific: Naira formatting, pension %, NHF field, JSON-based bands.
HR-ready: CSV uploads, staff PDFs, and remittance scaffolds.

How this calculator works

This page is for HR, payroll officers and consultants who want to see how we arrived at the 2025 vs 2026 numbers.

Step 1

Normalize your input

You enter Gross Monthly, State of Employment, Pension %, and optional NHF. We convert the gross to an annual figure (×12).

Step 2

Remove employee deductions

We take out employee pension (e.g. 8% of gross) and any NHF you entered.

Step 3

Apply yearly PAYE tables

We run the income through the 2025 table and the 2026 table.

Step 4

Convert back to monthly

Annual PAYE is divided by 12. Then we rebuild net pay: Net = Gross − Pension − NHF − PAYE

Official 2026 Tax Reform Logic

How are the 2026 figures calculated?

Based on the Nigeria Tax Act 2025 (NTA 2025) effective January 1, 2026.

  • CRA Abolished: The old N200k + 20% CRA is removed.
  • 0% Tax Band: First ₦800,000 annual taxable income is fully exempt.
  • New Rent Relief: Deducts 20% of annual rent paid (cap ₦500k).
  • Graduated Rates: Updated 15% to 25% schedule.

Results generated using NTA 2025 statutory schedules.

This calculator is for 2026 changeover planning. Chat us on WhatsApp: +234 818 846 6652.

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Upgrade your PayClarity NG access

Free is good for personal checks. HR teams and payroll officers should upgrade to remove watermarks and run bulk CSV.

Free

For individuals testing 2025 → 2026 impact.

₦0
  • • 2025 vs 2026 calculator
  • • Shareable link
  • • Print-ready payslip (watermarked)
  • • Up to 3 simulations/day
No payment required
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Pro (Personal)

For HR officers, accountants, consultants.

₦5,000

one-time access for your account

  • • Everything in Free
  • • No watermark on payslips
  • • Higher daily simulations
  • • Priority when 2026 bands change
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HR Lite (2026)

For businesses & consulting firms.

₦50,000

per month (B2B license)

  • • Everything in Pro
  • • Bulk Impact Analysis (CSV)
  • • Process up to 2,000 staff records
  • • Download processed CSV
  • • Priority support via WhatsApp
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