Take-Home Pay Calculator
Salary + deductions
Live update as you change any input. NGN throughout. Toggle statutory deductions to match your contract.
How to calculate take-home pay in Nigeria
Take-home pay - the cash that actually lands in your account - is your gross salary minus PAYE income tax, pension (typically 8% employee contribution), National Housing Fund (2.5% if enrolled) and any private schemes like NHIS. On a NGN 800,000 monthly gross, an average Nigerian employee takes home around NGN 570,000 after tax and pension, though the exact figure depends on which reliefs apply.
The largest deduction for most salaried workers is PAYE, which uses the progressive Personal Income Tax Act bands after your Consolidated Relief Allowance is applied. Pension is fixed at 8% of gross under the Pension Reform Act. NHF is 2.5% but only mandatory for public-sector staff and certain corporate schemes.
The calculator above shows every line so you can spot any employer over-deducting. It is not a substitute for a payslip - use it to sanity-check yours or to model a job offer before you accept.
Frequently asked questions
What is the take-home from NGN 800,000 gross monthly?
With 8% pension applied and default reliefs, NGN 800,000 gross monthly typically nets around NGN 566,000 monthly (approximately NGN 6.8M annually) after PAYE and pension. Add NHF and NHIS if your employer enrolls you.
Is pension mandatory?
Yes - the Pension Reform Act mandates 8% employee + 10% employer contribution for organisations with 3 or more staff. Some very small employers are exempt but most formal-sector Nigerians will see the 8% deduction.
Do bonuses count as gross?
Yes - for PAYE purposes bonuses are added to gross in the month they're paid, which can push you into a higher tax band that month. Pension and NHF are usually not deducted from bonuses, but check your contract.
Why does my payslip show a different number?
Common reasons: additional reliefs (life assurance, mortgage interest), voluntary contributions, union dues, or the employer applying a different CRA calculation on chargeable rather than gross. A 3-5% variance is normal. Larger gaps are worth raising with payroll.