Irregular Income Management
Strategic guidelines for self-employed professionals, freelancers, and remote creators in Nigeria.
1. Safety Buffer Allocation
Set aside a safety liquidity buffer during high-revenue months. This ensures you can cover essential personal and business obligations during leaner payment cycles.
2. Account Separation
Keep business earnings distinct from personal household spending. Maintain separate NUBAN bank accounts to trace professional inflows and verify operating expenditures.
3. Tax & Regulatory Compliance
Ensure voluntary compliance with FIRS self-employment tax codes and Personal Income Tax Act (PITA) provisions, avoiding legal disruptions to your business operations.
Irregular Inflow Allocator
Input your average monthly inflow to view structured guidelines for business, living, safety buffers, and tax obligations.
Estimate Inflow Allocation
Allocation Guidelines
Business Expenses (30%):
₦120,000
Personal Living (50%):
₦200,000
Safety Buffer (15%):
₦60,000
PITA Tax Reserve (5%):
₦20,000