Everything you want to know
before you trust us with your tax.

KlaroTax is a Nigerian tax intelligence platform. It takes your income information — salary payslips, freelance income, business revenue, bank statements — and computes your exact tax liability under current Nigerian law.

It is not a calculator where you guess inputs and get a rough number. Every result is produced by a deterministic engine that implements the Nigeria Tax Act 2025, which came into effect on 1 January 2026. Every step is traceable to a specific section of the law.

It is not a filing service, an accounting system, or a substitute for a qualified tax professional. KlaroTax is the clarity layer between your financial records and your tax obligations — it ensures the numbers are right, the reasoning is traceable, and you know what to do next.

Yes. KlaroTax is built by Krexant, a Nigerian technology company. The product is designed exclusively for Nigerian tax compliance — no global template adapted for Nigeria. The tax engine is written specifically around the Nigeria Tax Act 2025 and the Nigeria Tax Administration Act 2025.

The ruleset is identified as NTA_2026_V1 and every computation is tagged to it, so you always know which version of the law produced your result.

For computation — yes, in most personal tax situations. KlaroTax computes your liability more accurately than a manual spreadsheet and gives you a clear, traceable output you can take to the NRS yourself.

For complex business tax, dispute resolution, or situations involving audits and objections, a qualified tax professional is still the right call. KlaroTax handles the number-crunching so that if you do engage a professional, you arrive with a clear picture rather than a box of receipts.

KlaroTax's tax engine directly implements the Nigeria Tax Act 2025 (effective 1 January 2026). The rules are not approximations or imported from a global template — each function in the engine references a specific statutory section.

For example: Personal Income Tax bands are computed by a function that implements the exact progressive rates in the Act. The S.162 income exemptions — gratuity, pension contributions, allowances below threshold — are applied automatically because the engine checks each income item against the exemption criteria before including it in taxable income.

When the law changes — a new Finance Act, an NRS circular or gazette — KlaroTax goes through a formal governance process. A new ruleset version is released (for example, NTA_2026_V2 or NTA_2027_V1), the engine is updated, and the new version is tested and signed off before deployment.

Computations you already ran are tagged with the ruleset version that produced them, so your records remain accurate for the law that was in force at the time. For new computations after a law change, the updated engine is used automatically.

You do not need to update anything manually — the platform handles this for you.

Yes — this is one of the core design principles. KlaroTax never produces a number without showing the reasoning behind it.

For each computation, you can see: which income items were included and which were exempt, which relief items were applied and why, which PIT band each portion of income was taxed in, and what the PAYE already withheld by your employer was — and how the balance was calculated.

If you need to defend your filing to the NRS, you have a complete, readable record of how every figure was reached. This is very different from a spreadsheet formula that shows a number but not the statutory justification.

KlaroTax applies deductions based on available information and flags any that are missing supporting documentation in your readiness screen — so you know exactly which records to gather before filing.

Where a deduction is claimed but you have not yet uploaded the supporting document (receipt, invoice, or statement), KlaroTax still includes it in your figures and gently marks it as "needs evidence" on the readiness screen. You will see clearly which records are outstanding so you can compile them before submitting.

This approach keeps your computation as complete as possible while giving you a clear checklist of what to gather — rather than silently excluding claims you may be entitled to.

Yes. KlaroTax uses AES-256-GCM encryption — the same standard used by banks and government security systems — to encrypt every document you upload. Your data is encrypted before it is stored, and only decrypted during the computation process under strict controls.

Access to your data is controlled by your account authentication. No KlaroTax staff can access your uploaded documents or computation results without your involvement.

Tax records are retained for 7 years — the statutory minimum required by the NRS for Nigerian tax records. This is not KlaroTax's choice; Nigerian law requires it, and your records need to be available in case of an audit or query.

After 7 years, records are automatically removed from active storage unless you are under an active NRS audit or legal dispute, in which case they are retained until the matter closes.

At any point, you can request deletion of your data through the app. If there is no active audit, your data will be removed from our systems. If there is an exemption (active audit), we will tell you clearly and document the reason.

No. KlaroTax does not automatically share your data with the NRS, your employer, or any other party. The system produces a filing summary that you choose to submit to the NRS yourself — KlaroTax does not submit it on your behalf.

Your data is not sold or shared for advertising or any commercial purpose. The only reason your data is processed is to compute your tax liability for you.

Subprocessors (like our cloud infrastructure providers) handle encrypted data only — they cannot read the content. Our subprocessor list is available on request.

KlaroTax produces a complete, structured filing summary — the document you need to file your return. You take that summary and submit it to the NRS yourself, either through the NRS self-assessment portal or by visiting your nearest NRS office.

KlaroTax does not electronically submit your return to the NRS on your behalf. This is a deliberate design choice: you remain in control of what is filed and when. KlaroTax ensures the numbers are right; the submission is your decision.

Under the Nigeria Tax Administration Act 2025, individual annual tax returns are generally due by 31 March of the year following the assessment year. So your 2025 income tax return is due 31 March 2026.

If you miss the deadline, penalties apply. The Nigeria Tax Act provides for a fixed penalty of ₦100,000 for failure to file, plus ₦50,000 for each month the return remains unfiled. Interest on unpaid tax accrues at the standard statutory rate.

KlaroTax tracks your filing deadline and shows you how many days remain. It also projects what penalties would look like if you file at different points — so you can see the actual cost of delay and make an informed decision about urgency.

It depends on your situation. If your only income is your salary and your employer operates PAYE correctly, your employer's annual PAYE return covers your tax obligation for that income. You may not need to file a separate personal return.

However, you should still file if any of the following apply to you:

— You have income from other sources (freelancing, rental income, business, investments, capital gains from asset sales).
— Your PAYE deductions may have been incorrectly calculated (wrong band, missed reliefs).
— You want to claim deductions or reliefs your employer did not apply.
— The NRS has sent you a notice requiring a return.

KlaroTax handles all of these cases. The PAYE reconciliation feature compares what your employer withheld against what you actually owe — showing whether you have a refund due or additional tax to pay.

Yes — this is one of the scenarios KlaroTax was specifically built for. Freelancers and multi-income earners are underserved by most tax tools because the tools are designed for simple employee/employer arrangements.

KlaroTax accepts multiple income streams in one computation: employment income, freelance fees, business profit, rental income, capital gains from asset sales, and dividend or investment income. Each stream is classified and taxed correctly under the rules that apply to it.

Your freelance income is treated as self-employment income. Business expenses you incur to earn that income are deductible — with evidence. Net freelance profit is combined with any employment income and the total is run through the PIT bands to give your overall liability.

Yes, and you are exactly the person KlaroTax wants to help. A lot of micro-businesses and sole proprietors operate in an informal-to-formal transition — income comes through cash, mobile money transfers, and personal accounts mixed with business activity.

KlaroTax provides a manual entry fallback for all income types. You do not need to have formal accounting records to start. You can enter income manually, upload bank statements, upload SMS alerts from your bank, or submit receipts via the OCR scanner.

The system will flag items that are estimated (as opposed to confirmed by a document) so you know which parts of your filing carry more uncertainty. You can build up your evidence over time as you formalize your records.

The goal is to help you file a return that is as accurate as possible with the records you have — rather than not filing at all because you feel you don't have everything perfect.