The Tax Shield – velammo

CHI-BOOKS™

⚠️ LIRS DEADLINE: APRIL 14, 2026 — FEW DAYS REMAINING

️️️️️ Thousands of Nigerian employees and side-hustlers are navigating the 2026 tax changes without guidance. This is the guidance.

The 2026 Tax Laws Changed. Most Nigerians Are Paying The Price, "Without Knowing It.

This guide explains exactly what changed, how much it is costing you every month, and the specific steps to legally protect your salary and your side income — starting this week.

(Instant PDF Download + 4 Free Bonuses)

15 pages. Plain language. No accounting background required.

Why your January salary was lighter — The Consolidated Relief Allowance that was quietly protecting a portion of your income for years was removed on January 1st. This chapter shows you the exact naira impact on your specific salary and why your HR department probably cannot give you a clear explanation.
How to claim your Rent Relief and reverse the loss — The government replaced the CRA with a Rent Relief of 20% of your annual rent, capped at ₦500,000. Most employees are eligible but not claiming it because nobody told them it existed or how to file it. This chapter gives you the specific document to request from your landlord and the exact step on the NRS portal where the declaration is made.
What your NIN now means for your side income — Since January 2026 your NIN is your unified tax identifier, connecting your employment records to your business activity in one picture. This chapter explains what that means for income running through personal accounts, what the filing obligation actually requires, and how to structure your money correctly so business income qualifies for the zero-tax exemption.
The ₦100M Small Business Shield — If your side income is under ₦100M annually you are legally exempt from Company Income Tax under the 2026 Tax Act. This chapter covers how to register, how to file a zero-liability return, and why filing even when you owe nothing is the most important protection a side-hustler can have before enforcement tightens.
The VAT Leakage Audit — Every USSD session and bank transfer is carrying a 7.5% VAT charge since January 19th. This chapter shows you exactly how much you are losing monthly and the two specific changes to your banking habits that stop it.
The April 14th Action Plan — A 7-step checklist to complete your filing before the LIRS deadline, in the right order, so nothing is missed and no penalty lands.

(Instant PDF Download + 4 Free Bonuses)

See Some Reviews From Our Facebook And WhatsApp Customers

Order today and receive these four bonuses free — included with your PDF download.

BONUS 1 — The NRS-Ready Rent Receipt Template Value: ₦2,500 — Free

Your landlord’s handwritten receipt from a ₦200 booklet will not pass the NRS review. This template provides a professional, NRS-compliant rent receipt with all required data points, your name as it appears on your payslip, the tenancy period, the landlord’s TIN field, and a signature block. You fill in your details, hand it to your landlord for a signature, and your Rent Relief claim is bulletproof. Includes the exact WhatsApp message to send to your landlord today, so it is done before the deadline.

BONUS 2 — The Zero-Tax SME Filing Guide Value: ₦3,000 — Free

The ₦100M exemption only protects you if you formally declare it. This guide gives you the exact self-declaration letter to submit to the NRS, written in the language their system expects. Fill in your business name, your turnover figure, and your TIN, and you have a document that tells the NRS clearly that your business qualifies for zero CIT under the 2026 Act. Includes instructions for uploading to the eTax portal and what to do if your bank places a Post-No-Debit on your account.

BONUS 3 — The 2026 Tax-Free Shopping List Value: ₦1,500 — Free

50 everyday items like rice, beans, eggs, vegetables, bread, medicines, sanitary products, and school supplies that are officially zero-rated under the 2026 Tax Act. If a supermarket is charging you 7.5% VAT on these items, they are overcharging you. This list tells you exactly which items to audit on your receipt and what to say to the cashier or manager when you find the error. Practical, immediate, and usable on your next grocery run.

BONUS 4 — The 2026 Tax Shield Calculator Value: ₦5,000 — Free

An Excel calculator with three tabs.

Tab 1: Enter your salary and rent — it shows your exact monthly tax gap between 2025 and 2026 and the naira savings from claiming your Rent Relief.

Tab 2: Enter your monthly rent — it calculates your precise relief amount and tells you whether the ₦500k cap applies to you.

Tab 3: Enter your daily transfer and USSD habits — it shows your monthly VAT leak and how much two simple changes to your banking habits would save you annually. Blue cells are your inputs. Everything else calculates automatically.

Total bonus value: ₦12,000 — yours free with your order today.

Delivery in 1 to 3 days across Ghana. Pay only when it arrives at your door.

Disclaimer

Legal Disclaimer: This guide, The 2026 Tax Shield, is provided for educational and informational purposes only. While the strategies shared are based on the 2026 Nigeria Tax Act and current NRS/LIRS guidelines, the author (Chioma) is not a licensed tax attorney or a certified public accountant. Tax laws are subject to change and individual interpretation by tax authorities.

No Guarantee of Results: Any mention of specific tax savings (e.g., ₦19,400 or ₦500k) are illustrative examples based on common middle-class salary structures in Lagos/Abuja. Your actual savings will depend on your specific income, rent, and filing status.

Not Affiliated with Government: This product is independent and is NOT affiliated with, endorsed by, or sponsored by the Nigeria Revenue Service (NRS), the Lagos State Internal Revenue Service (LIRS), or any government agency.

This Site Is Not A Part Of The Facebook Website Or Facebook Inc. Additionally, This Site Is Not Endorsed By Facebook In Any Way. FACEBOOK Is A Trademark Of FACEBOOK, Inc.