How much do you actually receive in naira from your dollar income? Calculate your real take-home after all fees, spread, and NTA 2026 tax.
AfriGuide.com.ng — Digital Tools
Your dollars.
What actually arrives.
See your real naira take-home after every fee, spread, and bank charge — then find the channel that keeps the most.
Your dollar income
$
Enter the dollar amount you earn or expect to receive in one payment.
₦/$ rate
₦
/$
How often do you receive this amount?
Your payment channel
Select how your client pays you. We’ll calculate what you actually receive after all deductions.
✓
Wise
~0.6% fee
✓
Grey / Nala
~1% fee
✓
Leatherback
~1.5% fee
✓
Payoneer
~2% + $1.50
✓
Dom Account
CBN rate
Tax estimate (optional)
Include NTA 2026 tax deduction
Shows estimated income tax under Nigeria’s new Tax Act (effective January 2026)
Nigeria Tax Act 2025 — signed June 26, 2025, effective January 1, 2026.
Freelancers earning dollar income as Nigerian residents must self-declare and pay tax under the new progressive bands (0%–25%).
The ₦800,000 annual threshold is tax-free.
Where your money leaks
Your $500 via Wise
Every deduction shown, in order.
You receive
₦0
Lost to fees & spread: 0%
That’s ₦0 gone
All channels compared for your amount
| Channel | You receive | Lost | Effective rate |
|---|
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