Free Tax Calculator

Employee or contractor?

Compare take-home, engager cost, and WHT on the same monthly payment. Educational only.

Same monthly amount as an employee salary vs a contractor invoice.

Estimates only. Based on the information you enter.

Same gross amount compared as salary vs contractor invoice.

Choose the category that matches the payment. Contract or technical services and professional fees are treated differently and are a common audit focus.

Estimated allowable business costs for contractor tax reserve.

Not included in this estimate

  • Legal classification opinion for your specific arrangement
  • Benefits-in-kind, leave, and statutory leave entitlements
  • Agency worker and gig-platform edge cases

Employee vs contractor

Example

Recipient net difference

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FAQ

Do I need an account?
No. Calculate and review your estimate for free. Enter your email to download your PDF, or optionally email a copy.
How does state selection work?
Select the state relevant to this estimate. Federal PAYE bands are the same across states in this calculator. State selection is retained for PAYE jurisdiction context.
Living in Lagos?
Have your L-Number (State Payer ID) ready when you prepare an official payslip. You can review amounts in the free payslip generator after calculating here.
Is this my exact payslip?
No. It is a representative estimate based on the assumptions you enter.

Disclaimer

Educational comparison only. Employment status is determined by facts, not labels. This is not legal or tax advice. Disclaimer: This calculator provides an estimate based on the Nigerian tax rules and Staff Pay calculation assumptions applicable to the selected inputs and calculation year. Actual tax obligations and take-home pay may differ because of individual circumstances, employer records, applicable regulations, year-to-date income, previous employment, relief evidence, and information not provided to this calculator. This tool is for informational purposes only and does not constitute tax, legal, or financial advice. It does not file a return, remit tax, or confirm that any deduction has been paid. Review important decisions with a qualified tax adviser or the relevant tax authority. For payroll management, payslips and compliance tracking, use Staff Pay.

Need a printable payslip layout? Try the free payslip generator.

Tax guides

One guide per calculator mode: PAYE, employer cost, VAT, WHT, CIT, CGT, stamp duty, and more.

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