Finally understand
your Nigerian taxes

Our calculators implement the Nigeria Tax Act 2025 (NTA 2025) rules: PAYE with the ₦800,000 tax-free band and six progressive brackets, CIT at 30% with small-company exemption, WHT rate tables, VAT at 7.5%, and CGT. Figures are planning estimates — not official assessments and not automatically filed with the NRS. When the law changes we update the engine and publish a changelog; we do not promise a fixed-time turnaround. Always verify against official guidance or your tax professional before filing.

Currently, FinanceGuard helps you calculate, track, and prepare for tax filing. We generate reports you can share with your accountant or use for self-filing. Direct e-filing integration with the NRS (Nigeria Revenue Service, formerly FIRS) is on our roadmap for Q3 2026.

We're launching bank account linking in Q2 2026, supporting major Nigerian banks including GTBank, Access Bank, UBA, First Bank, Zenith Bank, and more via Mono. In the meantime, you can manually enter transactions or import them via CSV.

Yes. Our Free plan includes all tax calculators (PAYE, CIT, WHT, VAT, CGT), up to 50 expenses per month, unlimited income records, basic receipt scanning, and email deadline reminders — no credit card required. Paid plans add unlimited expenses, AI-powered OCR, PDF reports, and multi-account support. Founding members who sign up early lock in today's rate for their first 24 months.

Piggyvest and Cowrywise focus on savings and investments. FinanceGuard is specifically built for tax compliance and expense tracking in Nigeria. We help you understand your tax liability, track deductible expenses, and never miss a filing deadline.

You can export your data at any time. If you delete your account, we keep it in a soft-deleted state for 30 days (recoverable by contacting support), then permanently delete it — subject to the six-year retention Nigerian tax and accounting law requires for financial records. See our Privacy Policy §7 for the full retention schedule.

Yes. Our Business plan supports up to 3 accounts (personal, business, rental, etc.), includes CIT calculations, advanced PDF tax reports covering PIT/CIT/WHT/VAT/CGT, and the ability to share reports directly with your accountant via a secure link. A dedicated Accountant & Firm tier for CITN and ICAN practitioners is on the waitlist — join from the pricing page.

Because a tax calculator you have to pay for isn't much of a tax tool. All calculators — PAYE, CIT, WHT, VAT, CGT — are on the Free plan. Our paid plans are about tracking your taxes over time: unlimited expenses, AI-powered receipt scanning, PDF reports, and sharing with your accountant. We charge for the tracking, not for the maths.

Yes, anytime from your account settings. You'll keep paid features until the end of your current billing period, then your account reverts to the Free tier. We never delete your data on downgrade — you just see fewer AI scans or pay-gated features on the next cycle.

We retry the card after 3 days. If it still fails, your account stays active but reverts to Free-tier limits until payment resumes. We never lock you out of your own data.