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ENCO TAX INTELLIGENCE / Personal Tax & Payroll

Net Salary Calculator

Break down cash earnings, employee deductions and estimated take-home pay. Non-cash benefits are shown separately.

Your calculation

Enter amounts in Nigerian naira.

Input mode
Include taxable cash allowances. Enter bonus and non-cash benefits separately below.
Annual amount, even when salary frequency is monthly.
Already-valued taxable non-cash benefits. Does not increase cash salary.
Eligible annual deductions

Enter actual qualifying amounts. These are annual amounts in both frequency modes; no contribution rate is assumed.

Qualifying prior-year premium on your or your spouse’s life. Not employer contributions.
2026 relief is the lower of 20% of rent paid or ₦500,000. No 2025 rent relief is applied.
2026 claim only. Comparisons with mortgage-interest claims require professional review.
Non-tax-relievable cash deductions only. Do not repeat pension, NHF or health contributions. Rent and insurance are not automatically taken from salary.

Calculations run in this browser. Inputs are not stored or sent unless you choose PDF download.

A CLEARER VIEW OF YOUR NUMBERS

Your computation
starts here.

Complete the inputs to see an estimate, the calculation breakdown, applicable sources and assumptions.

  • No pre-filled financial results
  • Rules selected for the supported period
  • Download a detailed PDF after calculating

Preliminary automated calculations require professional review before filing. Unsupported circumstances do not generate an estimate.

UNDERSTAND THE COMPUTATION

Know what the numbers mean.

Are benefits in kind included in take-home pay?

No. Their supplied taxable value affects income tax but is excluded from cash take-home pay.

Are rent and insurance deducted from salary?

They may affect tax relief but are not automatically deducted from cash payroll. Enter actual additional payslip deductions separately.

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