25/06/2026
Your Tax Calculation Changed in January 2026. Does Your Tracker Know?
The Nigeria Tax Act 2025 changed everything — 6 new PAYE bands, Rent Relief replacing CRA, minimum tax abolished, and FIRS is now NRS.
But there is something most Nigerian employees still get wrong:
Whether you are in the public or private sector changes your Pension and NHF deductions — and that directly affects what you owe.
Public sector workers pay NHF compulsorily (2.5% of basic).
Private sector workers? PwC Nigeria confirms you are NOT obligated.
If your employer bears all pension contributions, your deduction is ZERO.
NaijaTrax — the Excel-based Nigerian personal income tax tracker — handles all of this automatically. Set your Employment Profile ONCE. All 12 months update instantly.
✅ 6-band NTA 2025 PAYE formula — verified
✅ Sector-aware Pension & NHF auto-calculation
✅ Rent Relief: 20% of annual rent, capped ₦500,000
✅ Minimum tax: abolished (NTA 2025, s.53)
✅ 808 live formulas. Zero errors.
Available for FY 2024, 2025, and 2026.
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Microsoft Excel (.xlsx) | Personal use | Not a substitute for professional tax advice