Take-home pay (PAYE) calculators for Africa
See exactly what lands in your bank account after PAYE income tax, mandatory pension contributions, and other statutory deductions. One country at a time, starting with Nigeria.
Why African PAYE differs country by country
“Take-home pay” is the slice of your gross salary that actually lands in your account. Three things separate it from gross: income tax (PAYE — Pay As You Earn), mandatory pension contributions, and other statutory levies (national housing fund, health insurance, social charges depending on the country). The rules differ in every jurisdiction and change with each national budget.
Nigeria has just completed the biggest income tax overhaul in a generation. The Nigeria Tax Act 2025, effective 1 January 2026, exempts the first ₦800,000 entirely (giving low earners a meaningful take-home raise), then applies six marginal brackets (15%, 18%, 21%, 23%, 25%). Ghana, Kenya, and South Africa each have their own structure. Ghana applies a GH¢490/month exemption then six brackets up to 35%. Kenya starts with a KES 24,000/month exemption and reaches 35% above KES 800,000. South Africa's SARS applies seven brackets up to 45% with a primary rebate that effectively exempts the first R 95,750.
A US or European calculator captures none of these. Our PAYE calculators encode the real rules, cite the legal source, and show when we last verified the numbers. Start with the Nigeria calculator below — the rest of the continent will arrive in Stage B, prioritized by search traction.