Your tax return, worked out from your bank statement.
Freelancers, remote workers and online sellers now file their own income tax. SettleTax reads your statements, works out what you owe under the new law, and has a licensed tax practitioner check it before it is filed.
Your 2026 tax estimate
Nigeria Tax Act 2025
Tax for the year
₦654,000- Set aside each month
- ₦54,500
- Share of your income
- 13.6%
- Rate on your last naira
- 18%
Returns on income earned in 2026 are due on 31 March 2027.
Three steps from statement to filed return
- 1
Upload your statements
PDF or CSV from GTBank, Access, Opay, Moniepoint, Kuda and other banks. Payoneer, Grey and dollar accounts too, converted at the CBN rate for each day.
- 2
Confirm what is business
Every transaction is sorted for you. You only check the few we are unsure about, one tap each.
- 3
Review and file
A licensed tax practitioner checks your return. You get the filing pack for your state tax office and keep proof of filing.
For everyone with no employer doing their tax
Freelancers paid in dollars
Upwork, Fiverr and direct clients abroad. Foreign income is taxable here, and nobody deducts it for you.
Instagram and WhatsApp sellers
Sales are kept apart from transfers, family support and moves between your own accounts, so you are not taxed on money that is not income.
Remote employees of foreign companies
No PAYE and no payslip deductions. You assess yourself, so the figures have to be right.
The 2026 rules on one page
Tax is charged in bands, so each rate only applies to the part of your income inside that band. The first ₦800,000 is always tax-free.
- Business expenses come off first. Data, equipment, workspace and other costs of earning the income.
- Rent relief. 20% of the rent on your home, up to ₦500,000.
- Minimum wage earners pay nothing. If your total income is at or below the national minimum wage.
| Chargeable income | Rate |
|---|---|
| First ₦800,000 | 0% |
| Next ₦2,200,000 | 15% |
| Next ₦9,000,000 | 18% |
| Next ₦13,000,000 | 21% |
| Next ₦25,000,000 | 23% |
| Above ₦50,000,000 | 25% |
Source: Nigeria Tax Act 2025, Fourth Schedule.
Pay once, or stay sorted all year
Early access prices. The calculator is always free.
Single filing
₦20,000
one-off, per tax year
Upload a year of statements, we prepare the return, and a practitioner reviews it before filing.
Year-round
₦25,000
per year, filing included
Monthly tax estimates, deadline reminders and a safe place for every receipt, so March is a five-minute job.
Questions people ask first
Get in before the March rush
Early members get their 2026 return prepared first, at early access prices.