Since January 2026, Nigerian freelancers and remote workers pay tax on worldwide income — including USD, USDT and USDC payments from Upwork, Fiverr, Deel or direct clients, converted at the official CBN rate. PayeCheck logs each payment, applies the new 6-band table and rent relief, and flags your registration/filing penalty exposure — free, in minutes.
The Nigeria Tax Act 2025 changed 3 things at once for freelancers who bill in dollars or stablecoins.
Rates from 0% up to ₦800,000 to 25% above ₦50M, replacing the old CRA-based formula — most guides give one example, not a calculator for your own numbers.
Foreign and stablecoin income must be converted at the official CBN rate on the exact day it was received — not the parallel-market rate — payment by payment.
₦50,000 + ₦25,000/month for not registering, ₦100,000 + ₦50,000/month for late filing — penalties you may already be accumulating without knowing it.
Everything runs in your browser. Your income entries and personal details are never uploaded anywhere.
Log up to 6 payments in NGN, USD, USDT or USDC, each with its own CBN rate for the day it was received — PayeCheck converts and sums them automatically.
Applies the official NTA 2025 table band-by-band, with rent relief (20% of rent paid, capped ₦500,000), your effective rate and marginal rate.
Tells you if you're exposed to a registration or late-filing fine, and estimates exactly how much, based on how long you've been unregistered or overdue.
Exportable document with your full band breakdown, payment log with CBN rates as evidence, and penalty exposure — ready to hand to an accountant or attach to your filing.
| Option | Price | Multi-payment USD/USDT + CBN rate | Penalty risk calculator |
|---|---|---|---|
| Tax guides & blog articles (TechCabal, Afrotools, JuicyWay) | Free | No — one static example only | No |
| SabiTax (general tax calculator app) | Freemium, requires app install | No — general PAYE/self-employed flow | No |
| Accountant / tax advisor | Variable fee, needs contact | Yes, but slow and costly for a quick check | Sometimes |
| PayeCheck Pro | $5 (one-time) | Yes | Yes |
$0
$5 USD
One-time payment with USDT/USDC, permanent unlock
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