Penless

Understand exactly what you owe, not what you're told.

No more guesswork. Instantly calculate your taxes, deductions, and net income with Nigeria's most accurate online tax calculator.

Calculate My Tax

Powerful Features for Smarter Planning

Get clear, accurate, and instant insights into your take-home pay.

Instant Results

See your annual and monthly net pay in seconds.

Smart Deductions

Factor in rent relief, pensions, NHF, and NHIS automatically.

Transparent Breakdown

Understand exactly how each tax band affects your income.

Mobile Ready

Access it anytime, anywhere, on any device.

Why This Matters

Nigeria's 2026 Tax Reform is changing the way personal income tax is calculated. For many employees, freelancers, and business owners, understanding how these new rules affect their take-home pay can be confusing.

Clarity & Transparency

No more guesswork — instantly see how much tax you owe and what you actually take home.

Smarter Financial Planning

Plan your budget, savings, and investments with confidence by knowing your net income upfront.

Made for Nigerians

Designed specifically for the Nigerian tax system, including reliefs, allowances, and deductions.

Free & Easy to Use

Our calculator is 100% free, simple, and mobile-friendly — built to make tax stress-free.

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