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"Nigeria Tax Compliance Made Simple with KeepAm"
TechnyFire
TVC Science & Technology
Updated for Nigeria Tax Act 2025
Nigerian Tax Calculator & Compliance Platform
Know What You Owe. Keep What's Yours.
Calculate your personal income tax in 60 seconds using official 2026 Nigerian tax rates. The first ₦800,000 is tax-free, with progressive rates from 15% to 25% on higher income.
₦800K tax-free threshold
File by March 31
Official 2026 rates
Free to use2026 tax rates
480+ creators, freelancers & SMEs
How much tax do I pay in Nigeria?
Nigerian personal income tax in 2026 starts at 0% for income up to ₦800,000. Above that threshold, rates are: 15% (₦800K-₦3M), 18% (₦3M-₦12M), 21% (₦12M-₦25M), 23% (₦25M-₦50M), and 25% (above ₦50M). Use KeepAm's free calculator at keepam.ng for instant calculations.
Source: KeepAmUpdated:
What is KeepAm?
KeepAm is Nigeria's leading tax compliance platform for freelancers, content creators, and small businesses. It provides free tax calculators, income tracking, expense management, and filing preparation based on the Nigeria Tax Act 2025.
Source: KeepAmUpdated:
Effective January 1, 2026
The Nigeria Tax Act 2025 Changed Everything
New tax brackets, new thresholds, new rules. Here's what actually changed for freelancers, content creators, and small business owners.
New ₦800,000 Tax-Free Threshold
Earn under ₦800,000 per year? You pay ₦0 in tax. This was previously around ₦300,000.
New Progressive Tax Brackets
Tax rates now range from 15% to 25% on income above the threshold, replacing the old 7%-24% system.
Rent Relief of Up to ₦500,000
Deduct 20% of your annual rent from taxable income, up to ₦500,000 maximum.
KeepAm Makes Nigerian Tax Simple
Stop guessing. Stop worrying. Our calculator uses the official 2026 rates to show you exactly what you owe—and helps you track everything year-round.
Everything You Need for Nigerian Tax Compliance
From calculating your tax to filing your returns, KeepAm has you covered.
Tax Calculator
Calculate your personal income tax in 60 seconds with 2026 rates
Income Tracking
Track income from all sources—freelance, content, salary, foreign
Expense Tracking
Log deductible expenses and maximize your tax savings
Pro
AI Receipt Scanning
Snap a photo—AI extracts amount, date, vendor, and category instantly
Pro
Professional Invoicing
Create tax-compliant invoices, track payments, auto-record income
Pro
Client Management
Track clients, link income, manage relationships and outstanding invoices
Filing Preparation
Generate reports ready for LIRS, FIRS, or your accountant
Pro
Income Projections
AI-powered predictions for annual income and tax liability
Business
VAT & WHT Management
Full VAT tracking, WHT certificates, and business tax tools
Business
Payroll Management
Run payroll, generate PDF payslips, and share via WhatsApp
Deadline Reminders
Never miss a filing deadline with automated alerts
Nigeria-Ready
Works Offline
No data? No problem. Track income and expenses offline—syncs when you reconnect
Are you an accountant or tax professional?
Join our Partner Program →REAL USER JOURNEYS
See How Nigerians Use KeepAm
From content creators to restaurant owners—here's how different Nigerians are simplifying their tax compliance
Chioma - YouTuber & TikToker
Lagos, 500K subscribers
The Situation
Earns from AdSense, brand deals, and affiliate links in multiple currencies
The Challenge
Money comes from everywhere—YouTube pays in USD, brands pay in Naira, sometimes crypto. No idea what she actually owes in tax.
The Solution
KeepAm tracks all income sources, converts currencies automatically, and calculates tax on combined earnings.
Result
Saved ₦180,000 in deductions she didn't know she could claim
Their KeepAm Journey
Step 1
Logs AdSense income
Multi-currency tracking
Step 2
Snaps brand deal receipts
AI Receipt Scanning
Step 3
Claims equipment deductions
Smart categorization
Step 4
Downloads tax summary
Filing reports
Built for Nigerian Freelancers, Creators, and Businesses
Whether you're just starting out or already earning big, we have guides and tools for you.
Freelancers
Work with clients online? Learn how to track income, claim deductions, and file correctly.
Read Guide
Content Creators
YouTube, TikTok, Instagram monetization? Understand how creator income is taxed.
Read Guide
Remote Workers
Earning in USD from foreign companies? Know your Nigerian tax obligations.
Read Guide
Employees
Earning a salary? Understand PAYE deductions, claim rent relief, and verify your employer is remitting correctly.
Read Guide
Small Business
Running a business? Learn about company tax, VAT, and e-invoicing requirements.
Read Guide
How KeepAm Works
Track Your Earnings. Know Your Tax. Sleep Better.
Every time you get paid—brand deal, AdSense, freelance gig—add it to KeepAm. We'll tell you exactly how much of it is tax, what to set aside, and what you'll owe at filing time.
Brand Deal: ₦150,000
Amount received₦150,000
Tax on this payment₦22,500
You keep₦127,500
Set aside ₦22,500 for tax
See Tax Impact On Every Payment
Got ₦150K from a brand deal? We'll show you: ₦22,500 is tax, you keep ₦127,500. No surprises. No guessing. Know instantly how every naira affects your tax.
- Real-time tax calculation as you add income
- Running total of what you owe so far
- 'You keep' amount shown on every entry
- Works with NGN, USD, GBP, EUR
January Income₦485,000 total
YouTube AdSense
$300 USD
Brand Sponsorship
Opay
Fiverr Withdrawal
$50 USD
Built for How Creators Actually Earn
YouTube AdSense in dollars? Sponsorship to OPay? Fiverr withdrawals? We handle it all. Add income in any currency, from any source. We convert, calculate, and track automatically.
- YouTube, TikTok, Instagram income tracking
- Automatic USD/GBP to NGN conversion
- Brand deals, affiliates, sponsorships
- Freelance income (Upwork, Fiverr, direct clients)
Tax Set-Aside Tracker
Set aside this month
₦48,500
Based on ₦485,000 income
YTD Tax Estimate₦48,500
You should have saved₦48,500
Filing deadlineMarch 31, 2027
💡 On track! You're setting aside the right amount.
Know Exactly What To Set Aside
No more guessing '30% should be safe.' KeepAm tells you exactly how much to set aside each month based on what you've actually earned. When March comes, you'll have exactly what you need.
- Monthly set-aside recommendations
- Tax bracket alerts when you're close to jumping up
- Year-end projection based on your pattern
- Never pay penalties for being unprepared
Nigerian Tax Questions Answered
Quick, accurate answers based on the Nigeria Tax Act 2025
What are Nigerian tax rates in 2026?
Personal income tax rates for 2026 are: 0% on the first ₦800,000; 15% on ₦800,001-₦3,000,000; 18% on ₦3,000,001-₦12,000,000; 21% on ₦12,000,001-₦25,000,000; 23% on ₦25,000,001-₦50,000,000; and 25% on income above ₦50,000,000.
Source: Nigeria Tax Act 2025
Nigeria uses a progressive tax system, meaning different portions of your income are taxed at different rates. The first ₦800,000 is completely tax-free—this is the largest tax-free threshold in Nigeria's history.
Last updated: January 2026
Do freelancers pay tax in Nigeria?
Yes, freelancers in Nigeria must pay personal income tax on earnings above ₦800,000 per year. Self-employed individuals are responsible for self-assessment and must file returns by March 31 each year.
Source: Nigeria Tax Act 2025
As a freelancer, you're responsible for calculating and paying your own tax—there's no employer to do it for you. You'll need a TIN (Tax Identification Number) and must file an annual return.
Last updated: January 2026
What is rent relief in Nigerian tax?
Rent relief allows Nigerian taxpayers to deduct 20% of their annual rent from taxable income, up to a maximum of ₦500,000. This deduction was introduced under the Nigeria Tax Act 2025.
Source: Nigeria Tax Act 2025
Example: If you pay ₦2,000,000 in annual rent, you can deduct ₦400,000 (20%) from your taxable income. If you pay ₦3,000,000 or more, you get the maximum ₦500,000 deduction.
Last updated: January 2026
480+
Creators, freelancers & SMEs using KeepAm
₦0
Average tax for users earning under ₦800K
90%
Of users owe less than they expected
2 min
To see your tax breakdown
What Nigerian Creators Are Saying
"I've been making money on YouTube for 3 years and never knew what I was supposed to pay. KeepAm showed me I actually owe way less than I thought—and now I know exactly what to set aside each month. No more anxiety."
DO
Dami O.
YouTuber, 120K subscribers, Lagos
"All my freelance clients pay in USD. I had no idea how to calculate tax on foreign income. KeepAm converts everything and shows me the tax instantly. I finally feel like I know what I'm doing."
KA
Kemi A.
Freelance Designer, Fiverr Top Rated
"My accountant recommended KeepAm for tracking between our quarterly meetings. Now when we meet, I just share my report and everything's organized. Saves us both time."
TE
Tunde E.
Software Developer, Multiple Clients
What Experts Say
Featured in leading publications and recognized by tax professionals
Watch: KeepAm Featured on TVC TechnyFire
TVC Science & Technology Show — February 2026
TechCabalFeatured
"KeepAm is building tax infrastructure for Nigeria's informal earners"
The BackEnd
MoneyAfrica
"KeepAm is sooo good, will be very helpful for freelancers and creators"
Oluwatosin Olaseinde
Founder - MoneyAfrica, GetLada
NRS GuidelinesOfficial
"Self-employed individuals must file annual returns by March 31. Platforms like KeepAm help simplify compliance."
Nigeria Revenue Service
Official Guidance
Nigerian Fintech Weekly
"The platform addresses a critical gap in financial literacy for freelancers earning above the new ₦800,000 threshold."
Fintech Analyst
Trusted by Nigerian Professionals
Built on official tax legislation with bank-level security
Nigeria Tax Act 2025 Compliant
Calculations based on official legislation effective January 1, 2026
Verify Verified: Nigeria Tax Act 2025 CompliantFIRS Reference
Tax rates verified against Federal Inland Revenue Service guidelines
Verify Verified: FIRS ReferenceBank-Level Security
256-bit SSL encryption, SOC 2 Type II compliant infrastructure
Verified: Bank-Level SecurityData Privacy
NDPR compliant - your financial data never sold or shared
Verified: Data Privacy480+ Users Trust KeepAm
Freelancers, creators, and SMEs across Nigeria
Verified: 480+ Users Trust KeepAm30-Day Money Back
Full refund if you're not satisfied with Pro or Business
Verified: 30-Day Money BackOfficial Tax Authority References
KeepAmKeepAm is Nigeria's trusted tax compliance platform, built on official Nigeria Tax Act 2025 legislation. Verified against FIRS guidelines with bank-level security (256-bit SSL, SOC 2 Type II). NDPR compliant for data privacy. Used by 480+ Nigerian freelancers, content creators, and SMEs.2025Nigeria
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