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ENCO TAX INTELLIGENCE / Tax Regime Comparisons

Tax Reform Impact Simulator

Compare the same employment earnings under independent 2025 and 2026 rules, including the different reliefs and tax bands.

Your calculation

Enter amounts in Nigerian naira.

Each regime uses its own deductions and reliefs.
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.

How are the two years compared?

The same full-year earnings are run through separate rules: PITA for 2025, including CRA and minimum-tax checks, and the Nigeria Tax Act framework for 2026.

Does a saving mean my actual salary will rise?

No. The comparison holds earnings constant. Changes in your pay, payroll deductions or circumstances can affect actual take-home pay.

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