Earn under ₦800k? Congrats, you officially owe the government ₦0.00

The 2026 Tax Reform just gave a massive winning goal to low-income earners and side-hustlers. The Personal Income Tax exemption limit has been officially buffed!

How much can I earn without paying tax?

If your total annual income is ₦800,000 or less, you now pay ZERO income tax to the NRS. Whether you are a student, a freelancer, or starting a small biz, this is ₦0.00 in deductions from your hard-earned cash.

Do I still need a TIN?

Yes. Even if you owe ₦0, having a Tax Identification Number (TIN) from the NRS is essential for banking and government services. It’s better to have a clean record of "Zero Tax Due" than no record at all.