Free business tools for Nigerian small businesses

Nigeria PAYE Calculator — for an employee or an employer who wants to know what a salary is worth after tax under the 2026 bands. Enter gross pay, pension and rent; it returns monthly and annual take-home, with every band shown. Use it to check a payslip, to price a job offer, or to set up payroll for the first time.

Nigeria Tax Calculator — for a company. It applies the Nigeria Tax Act 2025 tests for a small company (turnover of ₦100 million or less and fixed assets of ₦250 million or less), the 30% Companies Income Tax rate where they are not met, the 4% Development Levy, and the VAT position. If you are deciding whether to incorporate, start here.

VAT Calculator — add 7.5% to a net price, or work out how much VAT is inside a VAT-inclusive one. The second calculation is the one people get wrong, because subtracting 7.5% from the gross does not give the net. Rates for twenty other countries are preloaded for anyone invoicing abroad.

Profit Margin Calculator — margin and markup are different numbers that are often confused, and the confusion costs money when you price. Enter cost and price, or cost and the margin you want, and it returns the other figures.

Free Invoice Generator — a complete Nigerian invoice as a PDF, with TIN, VAT line and payment terms, without an account. Use it for the first invoice; use an ereQa account once you need to know which ones are unpaid.

Why they are free

The figures behind each tool are the same ones ereQa uses inside the product, so keeping them public costs us little and keeps us honest: if the PAYE calculator is wrong, someone tells us within the hour. None of them stores what you type, none asks for an email, and none is a trial of anything. If one of them is useful often enough that you want the answer saved, that is what the free plan is for.