Charge the right price. Get paid the right amount.

Whether you sell your time or your goods, Lucrive puts invoicing, pricing, budgets and Nigeria Tax Act 2025 estimates in one place, with Lex, an AI tax assistant that explains the rules in plain English.

START FOR FREE

10 invoices per billing cycle on the free plan · No payment details needed · Pay in NGN via Paystack

Not ready to sign up? Try the free WHT calculator

I SELL SERVICES I SELL PRODUCTS

Example: Chidi, a consultant, asks Lex about VAT and withholding tax, then sends the invoice.

Chidi · consultant

LEX · AI TAX ASSISTANT

Yes to both. Consulting is a professional service, so you charge VAT at 7.5% whatever your turnover. Your client deducts WHT at 5% of the fee (10% if you have no TIN) and must give you a receipt for it.

On a ₦500,000 fee: ₦37,500 VAT on top, ₦25,000 WHT deducted, so expect ₦512,500 in your account. The WHT counts against your income tax, not your VAT.

Sources: Lucrive guide: Withholding Tax · WHT Regulations 2024, First Schedule. A guide, not a filing service.

INVOICE

INV-2026-0031

Bill to: Okafor Logistics Ltd

Process review consulting

₦500,000.00

VAT 7.5%

₦37,500.00

Total due

₦537,500.00

Your bank details print on every invoice. Sent as PDF or a shareable link.

WHAT IS INSIDE

Five tools that share one set of records.

MEET LEX

Your Nigerian tax questions, answered any time.

Lex answers from the Nigeria Tax Act 2025, the Nigeria Tax Administration Act 2025 and NRS guidance. Ask about VAT registration, withholding tax rates, or what counts as a deductible expense, and get a plain-English answer grounded in the current law.

Free users get 10 questions every 30 days. Professional and Enterprise: unlimited. Lex is a guide, not a filing service: before you file or pay, check the figure in the Tax Calculator and confirm it with a qualified tax practitioner.

INVOICING

Professional NGN invoices with your bank details on every one.

Create, send and track invoices in naira, or in the currency your client prefers. Lucrive adds your bank account details automatically so clients have exactly what they need to pay by transfer.

Free plan: 10 invoices per billing cycle. Professional and Enterprise: unlimited.

PRICING CALCULATOR

Find out what your product costs to make. Then price it to make money.

Accounts for materials, four types of labour cost, overhead and wastage, then gives you a floor price and a recommended selling price. Run it for one product or your entire range at once.

VAT-inclusive pricing toggle built in. Export results to CSV.

TAX CALCULATOR

VAT, WHT and income tax, before the deadline arrives.

Instant tax estimates based on current law: VAT at 7.5%, withholding tax at the correct rate for each transaction type, PIT on the Nigeria Tax Act 2025 bands, and CIT. Ask Lex to explain any line item.

BUDGET & FORECASTING

Set a budget. See what actually happened. Close the gap.

Plan monthly income and expenses by category. Your revenue figures come straight from your paid invoices, with no manual entry. At month end, you have a real P&L.

Annual view available for year-on-year planning.

TAX REFORM

The NRS replaced FIRS. Most business tools haven't caught up.

Nigeria's Revenue Service came into effect on 1 January 2026 with new rules on VAT, withholding tax, personal income tax, and company income tax. If your calculator is still working from old FIRS rates, your tax estimates are wrong.

Lucrive's tax calculator and Lex are both built on the Nigeria Tax Act 2025, the current law. NRS e-invoicing dates below are indicative and may change.

LIVE NOV 2025

Large taxpayers

Turnover over ₦5 billion · Enforced from Apr 2026

LIVE JUL 2026

Medium taxpayers

Turnover ₦1 billion to ₦5 billion · Enforced from Jan 2027

LIVE JUL 2027

Emerging taxpayers

Turnover under ₦1 billion · Most MSMEs · Enforced from Jan 2028

Get the calculations right today. The filing will follow.

YOUR RIGHTS

Your financial records. Your rights under Nigerian law.

Lucrive is built to comply with the Nigeria Data Protection Act 2023. The rights it gives you, access, correction and deletion of your personal data, are buttons in your account settings, not paragraphs buried in a privacy policy.

No advertising trackers

Only essential cookies and local storage run on Lucrive. No advertising network has visibility into your business records. What you earn and what you owe stays between you and the NRS.

Right of access, built in

Under the Nigeria Data Protection Act 2023, you have the right to access your data at any time. In Lucrive that means a "Download my data" button in Settings, not a support ticket and a five-day wait.

Right of deletion, same place

Settings → Data & Privacy lets you submit a deletion request with one click. Your details are pre-filled and sent directly to us. No hoops.

FREE TOOL · NO LOGIN NEEDED

Got a suspicious link? Check it before you click.

In August 2026, a member of our team was the victim of a phishing attack: a fake bank website that looked completely legitimate, right down to the HTTPS padlock. It cost real money and real stress.

We built Lucrive Shield so no one else has to find out the hard way. Paste any suspicious link and Shield checks it against Nigerian bank domains, domain age, hosting country and Google's threat database, and gives you a plain-English verdict in seconds.

Bank impersonation

Detects fake UBA, GTBank, Access, Zenith, and 25 other Nigerian bank sites

New domain alert

Legitimate banks don't use websites created last week

Offshore hosting

Flags sites hosted outside Nigeria and trusted regions

Free · No login · Share with anyone

Free Nigerian Invoice Template

Download instantly · No payment details needed

Price it right. Invoice it right. Know the tax before it is due.

Free plan available. No payment details needed. Cancel anytime.

Start for free. No payment details needed.