Built to handle
complexity
Built for the Modern Worker
Designed for freelancers earning in foreign currency, startups scaling fast, and companies navigating the new 4% Development Levy.
Clarity on the New Bands
From the ₦800k tax‑free threshold to the 25% top-tier rate, OnePhi shows you exactly where you sit, what you owe, and how to plan ahead.
Total Transparency
We split the coin on your finances — exposing hidden tax costs early, before they become penalties, audits, or legal issues.
The
"Rib Cage"
of Your Business
In the new era of Nigerian tax, invisibility is your biggest risk. With penalties for non-registration starting at ₦50,000 and late filing at ₦100,000, OnePhi provides the protective framework your business needs to stay compliant, visible, and secure.
Today’s Invoices
149,048
Tax Collected
₦149.3M
Yes, it is really for everyone.
Smooth, worry-free tax compliance with Nigerian tax regulations.
For Freelancers & Remote Workers
The "Digital Expat" Framework. Working for a global company from Nigeria? Under the 2026 laws, worldwide income is taxable for residents (183+ days). OnePhi structures your income, foreign exchange conversions, and treaty credits properly.
For Large Enterprises
Structural Integrity at Scale. For companies above ₦100M turnover, complexity multiplies. OnePhi brings structure, governance, automation, and regulatory confidence.
For Small & Medium Businesses
The Growth Shield. If your turnover is under ₦100M and fixed assets below ₦250M, you qualify for new exemptions. OnePhi ensures you claim every benefit legally available.
Foreign Income Optimization
Convert foreign earnings correctly and legally reduce exposure using Double Tax Treaty frameworks.
Self-Assessment Filing
We manage your annual returns before the March 31st deadline — no penalties, no stress, no guesswork.
Smart Deductions
Maximise rent relief (20% up to ₦500k) and deduct business‑critical costs like data, power, software, logistics, and infrastructure.
Quick Snapshot of the 2026 Tax Bands
| Annual Income (₦) | Tax Rate | Onephi Note |
|---|---|---|
| 0 - 800,000 | 0% | Fully Tax-Free |
| 800,001 - 3,000,000 | 15% | The "Starter" Bracket |
| 3,000,000 - 12,000,000 | 18% | Most Professionals sit here |
| 12,000,000 - 25,000,000 | 21% | Mid-to-Senior Tier |
| 25,000,000 - 50,000,000 | 23% | High Earner |
| Above 50,000,000 | 25% | The Ceiling |
Nigerian Tax Compliance for everything Taxable
Customer Management
Organised client records with compliant transaction histories.
Expense Tracking
Track deductible business expenses in real time — power, data, software, logistics, subscriptions, and operations.
Filing Preparation
Automated annual filing preparation — structured, validated, and ready for submission.
Income Tracking
Unified income visibility across naira, USD, and multi‑currency sources.
Inventory Management
Track taxable stock, cost of goods, and VAT exposure with built‑in compliance logic.
Invoicing
Create compliant invoices synced to regulatory systems, with automatic tax classification and reporting. Inventory Management
Reports & Analysis
Clear compliance reports, tax exposure dashboards, and regulatory‑ready summaries.
Taxable API Integration
Automatically convert USD/EUR earnings using approved CBN rates and apply Double Tax Treaty (DTT) credits correctly.
