🇳🇬 Built for Nigeria · PITA 2025 · NTA 2025

Know exactly
what you owe.Nothing more.

Nigeria's tax intelligence platform for freelancers, self-employed professionals, and every income earner. Calculate, analyse, and file — without the confusion.

Calculate my tax Ask AI Assistant
36+
States covered
PITA&NTA
Both tax laws
100%
Free forever
2025 Tax Summary · Scenario A
₦12,648
PITA 2025 · 2.4% effective rate
7% · 11% · 15% progressive bands
Taxable income
₦528K
Net after tax
₦516K
Pass-throughs excluded
₦3,008,265 — Not taxable by law
Loans & float correctly removed by AI
PITA 2025Nigeria Tax Act 2025Tax Calculator36 States CoveredAI Statement AnalyserAI Tax AssistantTax Clearance CertificateKnow What You OwePITA 2025Nigeria Tax Act 2025Tax Calculator36 States CoveredAI Statement AnalyserAI Tax AssistantTax Clearance CertificateKnow What You Owe
What Taxnalyst does

Everything you need,
in one clean tool.

No accountant. No jargon. Clear, accurate answers about your Nigerian tax situation — built on actual law.

Tax Calculator

Gross income in, exact liability out. CRA, pension, and all deductions auto-applied. Toggle between PITA 2025 and NTA 2026.

AI Statement Analyser

Upload any Nigerian bank statement. Claude AI reads every transaction — earned income, loans, pass-throughs — and feeds results into the calculator.

AI Tax Assistant

Ask any Nigerian tax question in plain English. Powered by Claude AI. Every answer grounded in PITA 2025 and NTA 2025.

Filing Guide

Step-by-step returns filing. Direct links to all 36 state IRS portals, TIN registration, Remita payment, and penalty reference.

Free tax calculator

Your tax,
calculated right.

Stop guessing. Stop overpaying. Every deduction you’re legally entitled to — applied automatically. See exactly what you owe under Nigerian law.

Consolidated Relief Allowance auto-applied
Pension, NHF & life assurance deductions
Progressive band-by-band tax breakdown
NTA 2026 comparison toggle
Law applied: PITA 2025 governs all income earned Jan–Dec 2025 and includes the CRA deduction. Toggle to NTA 2026 to preview next year’s regime — which has no CRA and no personal relief. The ₦800K zero-tax threshold replaces them entirely.

Deductions applied

CRA (₦200K + 20% of gross)₦400,000
Pension₦80,000
Other₦0
Total deductions₦480,000
Gross income₦1,000,000
Total deductions−₦480,000
Chargeable income₦520,000
Tax owed
₦0
Effective rate
0.0%
Net income after tax
₦1,000,000

Estimate only. Verify with a certified tax professional before filing.

Law library

Nigeria’s tax law,
in plain English.

No legalese. Clear explanations of what the law says and what it means for you.

What counts as taxable income?

Only money you earn is taxable — consultancy fees, salaries, business profits, VTU earnings. Loans, gifts, pass-throughs, and your own account transfers are not income by law.

What deductions can I claim?

Under PITA 2025: CRA (₦200K + 20% of gross), pension (8%), NHF (2.5%), life assurance. Business expenses wholly incurred for your work are also deductible.

What about rent?

Under PITA 2025, rent is not directly deductible. From Jan 2026 under NTA, you can deduct 20% of rent paid, up to ₦500,000 per year.

Loans & pass-through money

Explicit by law: remittances, gifts, loans, and bank deposits are not taxable income. Money received for others and disbursed is never your income.

Deadlines & penalties

File annual returns by March 31. Late filing: ₦100,000 first month + ₦50,000 per month after. Failure to register: ₦50,000 + ₦25,000 monthly.

The ₦800K exemption (2026)

From January 2026 under NTA, anyone earning ₦800,000 or less pays zero income tax. There is no CRA and no personal relief under NTA — the ₦800K zero-tax threshold replaces them entirely. For 2025 income, the CRA under PITA remains your primary relief.

What’s taxable.
What’s not.

The core rule: only income is taxable — not every inflow into your account. This distinction determines everything about your tax liability.

Ask AI for more detail →
✓ Taxable
  • Freelance / consulting fees
  • Salaries & wages
  • Business profits
  • VTU reseller income
  • Rental income
  • Digital earnings
✗ Not taxable
  • Loans received
  • Pass-through / float
  • Gifts & remittances
  • Own account transfers
  • Bank deposits
  • Family support received
AI Tax Assistant

Ask any Nigerian
tax question.

Powered by Claude AI. Every answer grounded in PITA 2025 and NTA 2025. Ask in plain English — get a plain English answer.

Try asking

Taxnalyst AI
Hello! I’m your Nigerian tax assistant, powered by Claude AI. Ask me anything about PITA 2025, NTA 2025, deductions, filing deadlines, penalties, or state IRS procedures.

AI answers are for guidance only. Verify with a certified tax professional before filing.

Step-by-step guide

How to file your
annual tax returns.

Every step, every verified government link, every document you need.

Jump to step
1
Register with State IRS
2
Gather documents
3
Calculate tax
4
Login to IRS
5
Complete form
6
Pay balance
7
Get your TCC
1
Register with your State IRS & get your Payer ID

A TIN alone is not enough to file — you must register directly with the IRS in the state where you live and earn income to get a Payer ID (also called a State Tax ID). This is the number used to log in and file on state portals like LIRS eTax. Get your TIN first if you don’t have one, then complete your state IRS registration.

TIN (from JTB / NRS)NIN or BVNGovernment IDProof of addressPassport photo
Verify TIN (JTB) →Register on LIRS →Register on EIRS →
ⓘ Important: On LIRS (Lagos), you cannot file using only your TIN. You must register on the eTax portal to generate your Payer ID. Walk-in registration is also available at your nearest LIRS office.
2
Gather your 2025 income documents

Collect all records of money you earned Jan 1–Dec 31, 2025. Do not include loans, pass-throughs, or own cross-account transfers — those are not income.

Bank statementsClient invoicesPayslipsOPay / Kuda historyPension receipts
3
Calculate your taxable income

Use the Taxnalyst Calculator or Statement Analyser. Your output gives exactly what to declare.

Open Calculator →Analyse Statement →
4
Log in to your State Internal Revenue Service

File with the IRS of the state where you lived in 2025 — not your state of origin. All 36 states in the IRS Directory below.

StateWebsiteFile here
Lagos ⭐lirs.gov.ng ↗LIRS eTax →
Edo ⭐eirs.gov.ng ↗EIRS →
Abuja (FCT)fct-irs.gov.ng ↗FCT-IRS →
Riversrivirs.gov.ng ↗RIVIRS →
All 36 states in the IRS Directory section below ↓
Edo State (EIRS): Complete Tax Form A. Deadline March 31. Download at eirs.gov.ng/downloads. Walk-in: 80 New Lagos Road, Benin City. Helpline: 08168091243.
5
Complete the self-assessment form

Log in, find “Annual Returns” or “Form A.” Enter income, deductions, WHT credits. The portal calculates automatically. Use your Taxnalyst figures.

TIN / Payer IDGross income (2025)Total deductionsWHT credits
6
Pay your tax balance

Your IRS generates a payment reference. Pay via your bank (TIN as reference), Remita, or the state portal. Keep your receipt as proof of compliance.

Pay via Remita →Lagos (LIRS) →Edo (EIRS) →
7
Apply for your Tax Clearance Certificate (TCC)

A TCC is only issued after you have filed and paid tax returns for 3 consecutive years. You cannot get a TCC from a single year of filing. Once eligible, request it from your state IRS. Required for visa applications, property transactions, government contracts, and bank facilities.

✓ Keep filing every year. After 3 consecutive years of compliant filing and payment, you become entitled to a TCC — essential for visas, bank loans, and business dealings.

Penalties for non-compliance (NTAA 2025)

₦50,000
Failure to register · +₦25K per month after
₦100,000
Late or incomplete filing · +₦50K monthly
₦100,000
Failure to notify IRS of address change · +₦5K/month
Complete directory

All 36 States
+ FCT IRS Portals.

Every state IRS in Nigeria. Search by name or filter by geopolitical zone.

Showing all 37 states & FCT
AI-Powered Analysis

Upload your bank
statement. AI does the rest.

Upload your OPay, Kuda, GTBank, Access, or any Nigerian bank statement. Claude AI reads every transaction and separates your actual earned income from loans, pass-throughs, and own transfers — automatically.

OPayKudaGTBankAccessUBAPalmpayZenithFirst Bank
1
Upload or paste your bank statement
PDF, CSV, TXT — or paste the text directly below
2
Claude AI classifies every transaction
Earned income, loans, pass-throughs, own transfers — all separated intelligently
3
Review and correct any tag
Full control — edit any classification before locking the figure
4
Send confirmed income to Calculator
One click populates the Tax Calculator with your verified taxable income
Taxnalyst — Statement Analyser
Upload
Classification
Tax Summary
Drop your bank statement here
PDF, CSV, or TXT — or click to select
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Jude Iria
Founder & Creator
About the founder
Jude Iria
Business Coach · Brand Strategist · Builder

I built Taxnalyst after personally navigating the confusion of Nigerian tax compliance as a freelancer and consultant. Most Nigerians — especially the self-employed — either overpay, underpay, or avoid filing entirely. Not because they don’t want to comply. Because the system makes it unnecessarily hard.

Taxnalyst exists to fix that. Built on the actual text of Nigeria’s tax laws. Designed for how Nigerians actually earn.

JI Global ConsultancyXIFIN EnterpriseBusiness CoachLinkedIn BrandingEleazar Alliance
Email LinkedIn @jude_iria judeiria.com
Get in touch

Questions? We’re here.

Tax question, app feedback, or anything else — reach out on any channel.

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@jude_iria