Free financial tools
Salary calculator

You earn it. How much do you actually take home?

See how your gross salary, estimated taxes and other deductions affect what lands in your account. Explore monthly, fortnightly and weekly pay, all without signing up.

  • No signup
  • Clear assumptions
  • Multiple currencies
  • Instant results

Tell us about your pay

Choose your currency and enter your salary. You control the estimated deduction rate.

Estimate your deductions

These are your assumptions, not calculated national or regional tax liabilities.

Enter a rate from your payslip, employer or a trusted tax calculation.

E.g. benefit contributions, union dues, or other payroll deductions.

Important: This calculator does not apply official tax brackets, social contributions or payroll rules for any country. It is a personal deduction-scenario planner, not an official salary-after-tax engine.

Your take-home estimate

Explore what could be left after the deductions you entered.

Estimated take-home per paycheque

NGN 297,500

Paid monthly

Take-homeEstimated taxesOther deductions

Estimated monthly take-home

NGN 297,500

Estimated annual take-home

NGN 3,570,000

Total annual deductions

NGN 630,000

Assumed effective deductions

15.0%

Where your annual gross pay goes

Gross salaryNGN 4,200,000
Assumed taxes & statutory deductionsNGN 630,000
Other deductionsNGN 0.00
Estimated take-homeNGN 3,570,000

What if deductions changed?

−5% estimated rate
NGN 3,780,000
Current estimate
NGN 3,570,000
+5% estimated rate
NGN 3,360,000

Annual take-home. Changing your assumed rate by 5 percentage points changes annual take-home by up to NGN 210,000.

Your next step with Spendify

Knowing your take-home pay is step one. Knowing where it goes is what changes things.

Your salary can look very different after rent, groceries, transport, family responsibilities and savings. Spendify helps you track that next part: record income, understand expenses and organize your financial goals.

The method

How this is calculated

Gross annual salary comes from the amount you enter and whether it is annual, monthly (× 12) or weekly (× 52). The calculator subtracts the deduction rate you set, plus your monthly other deductions multiplied by 12.

Annual take-home = gross × (1 − deduction rate) − other × 12

Take-home per paycheque is the annual take-home divided by your pay frequency: 12, 24, 26 or 52 payments. The deduction rate stays between 0% and 80%, and take-home never goes below zero.

The comparison runs the same formula with the rate five points lower and five points higher. Actual net pay can differ because of progressive tax brackets, pension rules, employment status, tax reliefs and payroll rounding.

Frequently asked questions

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