Nigeria Changed Your Tax in 2026. Is Your Tracker Keeping Up?

Introducing NaijaTrax — the only Excel-based Nigerian personal income tax tracker built from the ground up for the Nigeria Tax Act 2025, effective 1 January 2026.

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What Is NaijaTrax?

NaijaTrax is a fully pre-built Microsoft Excel file that calculates your monthly PAYE, tracks your income and deductions across all 12 months, and produces a complete annual tax summary — automatically, with zero manual calculations.

The NTA 2025 introduced an entirely new PAYE framework that replaced long-standing Consolidated Relief Allowance structures, adjusted tax bands, and reshaped how deductions from salary are understood. [SmartSMSSolutions] Most online calculators are still using outdated rates. NaijaTrax is not.

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Who Is It For?

NaijaTrax is built for every Nigerian in paid employment or self-employment:

- Public sector employees — federal, state, and LGA staff with compulsory pension and NHF

- Private sector employees — whose NHF and pension arrangements vary by employer

- Freelancers and contractors — tracking multiple income sources across the year

- Business owners — monitoring mixed salary and business income monthly

- HR professionals and accountants — managing personal tax for clients or staff

Whether you earn ₦500,000 or ₦50,000,000 a year — NaijaTrax applies the correct rates to your exact situation.

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4 Reasons NaijaTrax Is Different

1. The only tracker with sector-aware Pension and NHF

Pension contributions (usually 8%) are still deductible, and other statutory deductions such as contributions to the National Housing Fund and NHIS still apply and are deductible from an employee's income before tax calculation. [Substack] But here is what most tools miss: NHF is compulsory only for public sector employees. Private sector workers are not legally required to contribute if their employer is not enrolled. And if your employer pays all pension contributions, your own deduction is zero. NaijaTrax is the only tracker that asks your sector and pension arrangement, then applies the correct rule — automatically.

2. All 6 NTA 2025 PAYE bands — verified

Nigeria's 2026 tax brackets are: 0% on income up to ₦800,000 (tax-free), 15% on ₦800,001–₦3 million, 18% on ₦3–₦12 million, 21% on ₦12–₦25 million, 23% on ₦25–₦50 million, and 25% on income above ₦50 million. [EY] All six bands are baked into every formula in NaijaTrax — verified against published calculations from KPMG and EY.

3. Rent Relief auto-calculated — no manual work

The NTA eliminates the Consolidated Relief Allowance (CRA) and introduces a rent relief under Section 30(vi), which is 20% of annual rent paid, subject to a maximum of ₦500,000. [PaidHR] In NaijaTrax, you simply enter your monthly rent. The file annualises it, applies the 20%, caps it at ₦500,000, and deducts it from your taxable income before PAYE is calculated. Every naira of relief you are entitled to is captured.

4. Minimum tax — abolished and reflected

Most Nigerian workers earning between ₦1.5 million and ₦25 million annually will see their net pay increase under the NTA 2025. The 0% band on the first ₦800,000 creates significant savings. [Safeguard Global] The old minimum tax (1% of gross) is permanently abolished under NTA 2025, s.53. NaijaTrax does not apply it — and clearly marks the section as abolished so you can see exactly why.

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What Is Included

📊 **16 worksheets**

Monthly trackers (Jan–Dec), Annual Dashboard, Master Template, Tax Calculator

🗓️ 12 monthly sheets

Track income, deductions, and rent. PAYE and net pay calculate instantly

🏢 Employment Profile

Set your sector, pension, and NHF status once — all 12 months update automatically

📈 Annual Dashboard

KPI cards, 12-month summary table, and 3 live charts (bar, pie, trend line)

🧾 Tax Calculator

Full NTA 2025 computation — all 6 bands itemised, Rent Relief applied, effective tax rate shown

⚡ 808 live formulas

Zero manual calculations — everything updates the moment you enter a figure

🇳🇬 NRS compliant

Nigeria Revenue Service (formerly FIRS) — updated throughout

📅 3 editions

Financial Year 2024 | Financial Year 2025 | Financial Year 2026 |

Works in Microsoft Excel 2016+ and LibreOffice Calc (free).

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What Users Are Saying

"I didn't realise my employer wasn't enrolled in NHF until I set up my Employment Profile in NaijaTrax. I'd been overpaying for months. The Rent Relief alone reduced my monthly PAYE by over ₦7,000."

— Private sector professional, Lagos

"Finally a Nigerian tax tracker that actually asks what sector you work in. Every other tool I tried gave me the same answer regardless of my pension arrangement. NaijaTrax is the first one that got it right."

— Finance officer, Abuja

"I use it for all my Done-For-You clients. The Employment Profile saves me so much time — I set it once and all 12 months update automatically. 808 formulas and not a single error."

— Independent tax tracking practitioner

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Ready to Track Your Tax the Right Way?

DIY Download — ₦10,000 (one-time)

Download the Excel file. Open it. Set your Employment Profile. Start tracking in minutes.

👉 Get NaijaTrax on Selar.com → [INSERT SELAR LINK]

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Not a spreadsheet person?

Our Done-For-You monthly service starts from ₦2,000/month — you send us your figures, we handle everything and deliver your tracker summary within 3 business days.

📞 **Call/WhatsApp:** +234 802 343 7484 | 0813 429 3277

✉️ **Email:** [email protected]

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NaijaTrax is a personal finance tracking tool. It is not a substitute for professional tax advice. All filings remain the responsibility of the individual user. Provided by GrafixPlace — Fueling Your Vitality. Accelerating Your Productivity.