Because Guessing Your Tax Isn't a Strategy
You work hard for your money. You shouldn't lose sleep wondering how much of it belongs to FIRS. KeepAm gives you clarity, control, and confidence—whether you're earning ₦500K or ₦50M.
Let's Be Honest About How Most Nigerians Handle Tax
Some people use Excel.
You've got a spreadsheet with columns for income and expenses. Maybe it's accurate. Maybe it's three months outdated. And when filing time comes? You're staring at cells wondering "wait, is training deductible?" and "what's my tax bracket again?"
Excel doesn't know Nigerian tax law. It can't tell you that your first ₦800,000 is tax-free. It won't remind you that March 31 is approaching. And it definitely won't calculate your rent relief automatically.
Some people use international software.
QuickBooks. Wave. Zoho. Great tools—built for Americans and Europeans. They don't understand PAYE. They've never heard of FIRS. They can't generate a report your Lagos tax office will accept. You end up doing manual calculations anyway.
Some people use expensive accountants.
₦50,000 just for a consultation. ₦100,000+ for annual filing. For a freelancer earning ₦3M/year, that's 3% of your income gone before you've paid a single naira in actual tax.
Most people? They do nothing.
Not because they're avoiding tax. Because they genuinely don't know what they owe, when it's due, or how to figure it out. So they hope FIRS doesn't notice them. (Spoiler: FIRS is getting better at noticing.)
KeepAm Was Built for How Nigerians Actually Work
Not another American app with Nigerian settings. Actually built for Nigerian tax law.
Nigerian Tax Law, Built In
Not configured. Built in.
KeepAm knows the 2026 tax brackets by heart. It knows the ₦800,000 tax-free threshold. It calculates your rent relief automatically (20% of rent, max ₦500,000). It understands the difference between PAYE and self-assessment.
You don't need to be a tax expert. KeepAm already is.
Works Without Data
No internet? No problem.
We built KeepAm as a Progressive Web App that works offline. Add income while you're on a flight. Log expenses when MTN is acting up. Everything syncs automatically when you're back online.
Because tax compliance shouldn't depend on network coverage.
Know What to Set Aside
Stop guessing "30% should be safe."
Every time you add income, KeepAm shows you exactly how much is tax. Earned ₦150,000 from a brand deal? We'll tell you: "Set aside ₦X. You keep ₦Y."
No more end-of-year panic. No more "where did all my money go?"
Deductions You're Probably Missing
Your expenses can reduce your tax. But only if you track them.
That laptop you bought? Deductible. The course you took? Deductible. Your internet bill? Partially deductible. KeepAm automatically calculates how much each expense saves you in tax.
Most freelancers leave ₦50,000-₦200,000 on the table every year. Don't be most freelancers.
Filing Made Simple
When March 31 comes, you'll be ready.
KeepAm generates reports formatted for FIRS and your state tax office. Step-by-step filing guides for all 36 states plus FCT. No more Googling "how to file tax in Lagos" at 11pm on March 30.
Free Forever. Seriously.
Calculate your tax unlimited times. Track 20 entries per month. Pay ₦0.
We're not hiding features behind a paywall just to frustrate you into upgrading. The free plan is genuinely useful. Pro is for power users who want unlimited tracking, receipt scanning, and filing reports.
Built for People Who Earn Their Own Money
Whether you're a full-time freelancer or have a side hustle, KeepAm speaks your language.
Freelancers & Remote Workers
You work with clients in Nigeria, the US, UK, wherever. Some pay in dollars, some in naira. You're not sure if foreign income is taxable (it is) or how to convert it properly (we handle that).
KeepAm gives you: Multi-currency support, client tracking, automatic tax calculation on every payment.
Read: Tax Guide for FreelancersContent Creators
YouTube AdSense. TikTok Creator Fund. Instagram sponsorships. Brand deals paid to your personal account. Your income is unpredictable, comes from multiple sources, and nobody taught you that creators pay tax too.
KeepAm gives you: Income tracking by source, equipment deductions, "set aside" recommendations for irregular income.
Read: Tax Guide for CreatorsSmall Business Owners
You're running a shop, a salon, a small trading business. You've heard about the "new tax law" but you're not sure how it affects you. Someone mentioned VAT. Someone else mentioned withholding tax. It's confusing.
KeepAm gives you: Business income tracking, VAT threshold monitoring, clear guidance on what applies to you.
Read: Tax Guide for Small BusinessSide Hustlers
You have a job that deducts PAYE from your salary. But you also sell on Instagram. Or do freelance work on weekends. Or earn rental income. Do you need to file separately? (Sometimes yes.)
KeepAm gives you: Multiple income source tracking, calculation of additional tax owed beyond PAYE.
Read: Tax Guide for Side IncomeThe Real Alternatives (And Why They Fall Short)
We're not going to pretend there aren't other options. Here's an honest look at each one.
"I'll just use Excel"
Excel is powerful. Excel is also dumb. It doesn't know that training expenses are 100% deductible but transportation is only deductible for business trips. It can't warn you that you're about to cross into the 18% tax bracket. It won't send you a reminder before March 31.
You CAN track your finances in Excel. You'll just spend 10x longer, make more mistakes, and have no guidance when you're confused.
KeepAm alternative: We'll import your Excel data. Keep your history, lose the headaches.
"I'll figure it out when tax season comes"
This is how people end up paying penalties. Or overpaying because they panic-file without claiming deductions. Or not filing at all and hoping for the best.
Tax isn't a March problem. It's a year-round reality. Every payment you receive has a tax implication. The question is whether you know about it now or discover it painfully later.
KeepAm alternative: Track as you go. 2 minutes per income entry now saves 20 hours of stress in March.
"I'll hire an accountant"
For businesses with complex structures, absolutely hire an accountant. But for a freelancer earning ₦3-5M/year? You don't need a ₦100,000 accountant. You need a tool that does 80% of the work so you can consult an accountant only when you actually need expert advice.
Many accountants actually recommend KeepAm to their clients. It makes their job easier too.
KeepAm alternative: Track everything yourself, generate reports, then share with your accountant if needed. You stay in control.
"I'll use [international software]"
QuickBooks doesn't know what PAYE is. Wave doesn't calculate Nigerian tax brackets. Zoho won't generate a report your LIRS office accepts.
These tools are built for Americans and Europeans. They work great—in America and Europe. In Nigeria, you end up doing manual workarounds for everything tax-related.
KeepAm alternative: Nigerian tax law is built in, not bolted on. No configuration. No workarounds. It just works.
"FIRS probably won't notice me"
They might not. Today. But FIRS is digitizing rapidly. Banks report large transactions. Payment platforms share data. The informal economy is becoming visible whether you like it or not.
The question isn't "will I get caught?" It's "why am I hiding when I might not even owe anything?"
KeepAm alternative: Find out what you actually owe. It's probably less than you think. And if it's not, at least you can plan for it.
What KeepAm Users Discover
of users owe less than they expected
income below this pays ₦0 tax in 2026
average time to see your first tax calculation
average deductible expenses found in first month
Tax Myths We Bust Every Day
Stop believing everything you hear at the salon or on Twitter.
"If I keep transfers under ₦50,000, FIRS can't track me"
There's no magic threshold. FIRS tracks total income, not individual transfers. Splitting payments doesn't reduce your tax.
"Freelancers don't need to pay tax"
If you earn above ₦800,000/year from any source, you have tax obligations. Self-employed people are responsible for self-assessment.
"I can label transfers as 'gift' to avoid tax"
Transfer descriptions don't change tax status. FIRS can see your bank activity regardless of what you call it.
What Nigerian Creators Are Saying
"I spent two years thinking I owed FIRS hundreds of thousands. Turns out I was under the threshold the whole time. KeepAm showed me in 60 seconds what I couldn't figure out in two years."
Amara O.
Freelance Writer, Lagos
"My accountant charges ₦80,000 per year. Now I use KeepAm for tracking and only consult her for the complicated stuff. Saved me ₦50,000 and I actually understand my finances now."
Emeka T.
Software Developer, Abuja
"The 'set aside' feature changed everything. I used to panic every March. Now I know exactly how much is tax before I spend it."
Chisom A.
YouTuber, Port Harcourt
Ready to Stop Guessing?
Join thousands of Nigerian freelancers and creators who finally know what they owe.