# Explainer.NG

> Explainer.NG is Nigeria's leading AI-powered explainer platform. It makes complex Nigerian topics — taxes, visas, business registration, land ownership, scam detection, salaries, and more — accessible to every Nigerian in plain English. All tools are free, no login required.

## What is Explainer.NG?

Explainer.NG is a free platform built specifically for Nigerians. It uses artificial intelligence to explain complex Nigerian laws and regulations in simple language, provide interactive calculators for tax, salary, and admissions, help Nigerians detect online scams and fraud, guide users through bureaucratic processes like CAC registration, and review career documents like CVs, SOPs, and Letters of Recommendation.

The site serves everyday Nigerians — not lawyers or accountants — who need to understand how Nigerian law, taxes, and systems actually affect them. It also serves Nigerians in the diaspora who need accurate, up-to-date information about home.

## Tools (Free, No Login Required)

- [Nigeria Personal Income Tax Calculator](https://explainer.ng/tax-calculator): Free PAYE calculator under NTA 2025. Computes the ₦800,000 tax-free threshold, progressive tax brackets, rent relief (up to ₦500,000), pension, NHF, and net take-home pay for both employees and freelancers.
- [Nigeria Business Tax Explainer](https://explainer.ng/business-tax-explainer): Calculate CIT (0%/20%/30%), VAT (7.5%), PAYE, WHT, and Education Tax for Nigerian SMEs, startups, and corporations under current tax laws.
- [Visa Requirements for Nigerians](https://explainer.ng/visa-requirements): Check visa requirements, required documents, bank statement estimates, processing times, and official application links for Nigerian passport holders traveling to any country.
- [CAC Registration Guide](https://explainer.ng/cac-registration): Step-by-step guide to registering a Business Name or LTD with the Corporate Affairs Commission in Nigeria. Costs ₦15,000–₦100,000 depending on entity type.
- [Nigerian Land & Property Explainer](https://explainer.ng/land-property-explainer): Understand C of O, Deed of Assignment, Governor's Consent, land verification, Omo-onile fraud, and how to buy property safely in Nigeria.
- [ScamGuard Nigeria](https://explainer.ng/scamguard-nigeria): AI tool to check if a message, investment, or job offer is a scam. Covers Cybercrimes Act 2015 penalties and how to report fraud to EFCC.
- [Admission Chance Calculator](https://explainer.ng/admission-calculator): Calculate Nigerian university admission probability based on JAMB score, Post-UTME, catchment area, and ELDS quota.
- [Nigerian Salary Calculator](https://explainer.ng/salary-calculator): Compare salaries across 40+ roles in Nigeria by experience and location. Covers tech, finance, healthcare, oil & gas, and more.
- [SoP Review Tool](https://explainer.ng/sop-review): AI-powered Statement of Purpose reviewer for US graduate school applications (MS, PhD, MBA).
- [LOR Review Tool](https://explainer.ng/lor-review): AI-powered Letter of Recommendation reviewer for graduate school applications.
- [CV Review Tool](https://explainer.ng/cv-review): AI feedback on your CV/resume for Nigerian and international job applications.
- [Invoice Generator](https://explainer.ng/invoice-generator): Create professional PDF invoices for Nigerian businesses and freelancers.
- [Resignation Letter Generator](https://explainer.ng/resignation-letter): Professional resignation letters adapted to Nigerian workplace culture.
- [Bride Price Calculator](https://explainer.ng/bride-price-calculator): Estimate traditional Nigerian bride price by state, tribe (Yoruba, Igbo, Hausa, etc.), and education level.
- [US Travel Ban Explainer](https://explainer.ng/us-travel-ban): How US immigration policies affect Nigerian passport holders.
- [Exchange Rate — Dollar to Naira Today](https://explainer.ng/exchange-rate-naira): Live USD/NGN, GBP/NGN, EUR/NGN exchange rates. Shows official bank rate and parallel market (black market) rate, plus a 30-day trend chart and NGN conversion table for 8 major currencies.
- [NYSC Allawee Calculator](https://explainer.ng/nysc-calculator): Calculate monthly NYSC allowance by state of deployment. Federal allawee is ₦33,000/month. States like Lagos (₦15,000), Akwa Ibom (₦10,000), Delta (₦10,000), Bayelsa (₦10,000), Edo (₦10,000), and Rivers (₦10,000) pay additional top-up allowances. Includes 12-month total and cost of living comparison.
- [Customs Duty Calculator Nigeria](https://explainer.ng/customs-duty-nigeria): Calculate how much customs duty, VAT, CISS, ETLS levy, and total landed cost for importing goods into Nigeria. Covers 16 product categories including vehicles, electronics, clothing, and machinery.
- [Nigeria Cost of Living Calculator](https://explainer.ng/cost-of-living-nigeria): Compare monthly cost of living across 12 Nigerian cities including Lagos, Abuja, Port Harcourt, Kano, Ibadan, and Calabar. Shows rent, groceries, transport, utilities, and quality of life scores.

## Blog

Latest articles on Nigerian taxes, business, visa, and personal finance at [explainer.ng/blog](https://explainer.ng/blog).

## Key Facts

- All tools are free. No account required.
- Updated to reflect the Nigeria Tax Act (NTA) 2025
- Domain: explainer.ng (.ng = Nigeria country-code TLD)
- Serves Nigerians at home and in the diaspora
- AI-powered Q&A and review features on all major tools

## Frequently Asked Questions

Q: What is the Nigeria Tax Act 2025?
A: The Nigeria Tax Act (NTA) 2025 replaced the Personal Income Tax Act (PITA). Key changes: ₦800,000 tax-free threshold (up from ₦200,000), new Rent Relief deduction of up to ₦500,000 per year, revised progressive brackets from 15% to 25%, and new treatment of capital gains.

Q: What is PAYE in Nigeria?
A: PAYE (Pay As You Earn) is the system where employers deduct personal income tax from employee salaries monthly and remit it to FIRS/SIRS. Under NTA 2025, the first ₦800,000 of annual income is tax-free. Use explainer.ng/tax-calculator for an instant calculation.

Q: How do I register a business in Nigeria?
A: Register with the Corporate Affairs Commission (CAC) at cac.gov.ng or use an agent. Business Name registration costs ₦15,000–₦25,000 (1–3 days). LTD registration costs ₦50,000–₦100,000 (7–14 days). Full guide at explainer.ng/cac-registration.

Q: Which countries can Nigerians visit without a visa?
A: Nigerian passport holders can visit all ECOWAS countries visa-free (Ghana, Senegal, Côte d'Ivoire, Togo, etc.), plus Kenya, Rwanda, Barbados, and Dominica. USA, UK, Canada, Schengen, and UAE all require a visa. Check explainer.ng/visa-requirements for full details.

Q: What is a Certificate of Occupancy (C of O) in Nigeria?
A: A C of O is the primary land title document in Nigeria, issued by state governments under the Land Use Act 1978. It gives the holder a 99-year statutory right of occupancy. Without a C of O, a property sale may be legally invalid or risky. Learn more at explainer.ng/land-property-explainer.

Q: How do I detect a scam in Nigeria?
A: Red flags include: guaranteed returns above 20%, requests to receive and forward money, upfront fees for jobs/scholarships, pressure to act immediately, and romance followed by money requests. Use explainer.ng/scamguard-nigeria to analyse any suspicious message with AI.

Q: What is the current dollar to naira exchange rate?
A: The official USD/NGN rate fluctuates daily. As of early 2025, it is approximately ₦1,580–₦1,650 per dollar at the official window (CBN rate), while the parallel market (black market) rate runs about 3–5% higher. Check explainer.ng/exchange-rate-naira for live rates updated daily.

Q: What is the NYSC monthly allawee in 2025?
A: The federal government pays all corps members ₦33,000 per month (effective January 2024). Some states add a top-up: Lagos pays ₦15,000 extra (total ₦48,000/month), Rivers and Delta pay ₦10,000 extra (total ₦43,000), while many northern states pay the federal minimum only. Calculate your total at explainer.ng/nysc-calculator.

Q: How much is customs duty on a car in Nigeria?
A: For motor vehicles, Nigeria charges: 35% import duty + 35% levy + 7.5% VAT on (CIF value + duty) + 1% CISS + 0.5% ETLS. The effective rate for cars is typically 80–100% of the CIF value. Use the calculator at explainer.ng/customs-duty-nigeria for exact figures.

Q: What is the cheapest city to live in Nigeria?
A: Jos is generally the most affordable, followed by Kaduna, Kano, and Calabar. A basic lifestyle in Jos costs roughly ₦130,000–₦180,000/month, vs ₦400,000–₦600,000/month in Lagos. Compare cities at explainer.ng/cost-of-living-nigeria.

## Contact

Website: https://explainer.ng