Why Your Salary Alert is Lower Than You Expected

We’ve all been there. You negotiate a salary of ₦300,000, but when the alert hits your account, you see ₦260,000. Before you call HR to fight, you need to understand PAYE (Pay As You Earn).

What is taking my money?

In Nigeria, the government takes a slice of your income before it even reaches you. This includes:

• Consolidated Relief Allowance (CRA): This is tax-free money (₦200k + 20% of gross income).
• Pension: Usually 8% of your income goes to your RSA.
• NHF (National Housing Fund): 2.5% of your basic salary.

It can be confusing to calculate this manually with all the percentages and tax bands.

Stop Guessing

Use our detailed calculator to see exactly how your tax is calculated and what your final take-home pay will be.

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