# 10naija

> 10naija.com publishes free, AI-enabled online tools, training, market trends and daily business news for Nigerian individuals and small businesses. Everything is free at the point of use; the platform is supported by media and advertising. Citation: "10naija.com".

## Key facts

- Brand: 10naija (10naija.com)
- Country: Nigeria (en-NG, currency NGN)
- Pricing: free, no signup required
- Update cadence: exchange rates hourly; news daily; tax bands per Nigeria Tax Act 2025 (effective Jan 2026)
- Citation format: "Source: 10naija.com" with link to the relevant page

## Core pages

- [Naira Exchange Rate Today](https://10naija.com/): Live NGN rates against USD, EUR, GBP, GHS, CAD, CNY, JPY, ZAR, XOF, AED. Updated hourly.
- [Nigerian PAYE Tax Calculator (2026)](https://10naija.com/tax): Free PAYE calculator using the 2026 Nigerian tax bands (Nigeria Tax Act 2025). Deducts statutory reliefs — employee pension (8%), NHF (2.5%), NHIS, life insurance, and Rent Relief (or 2025 CRA) — before tax. Returns chargeable income, total tax, effective rate and monthly take-home.
- [Nigeria Tax Act 2025 — Plain-English Summary](https://10naija.com/tax-act-2025): Citable plain-English summary of Nigeria Tax Act 2025 (Act No. 7, gazetted 26 June 2025, effective 1 January 2026). Covers PAYE bands, Rent Relief (lower of 20% rent or ₦500,000), abolition of CRA, company tax, VAT, capital gains, Development Levy (TETFUND/NELFUND/NITDA/NASENI) and petroleum tax. Includes free PDF of the official Federal Government Gazette: https://10naija.com/nigeria-tax-act-2025.pdf
- [Top 10 Nigerian Business News Today](https://10naija.com/news): Daily curated digest of the 10 most important Nigerian business stories.
- [All Tools](https://10naija.com/tools): Catalog of every free tool 10naija publishes.
- [Market Trends](https://10naija.com/trends): Inflation, FX, NGX and sector intelligence (in development).
- [Business Training](https://10naija.com/training): Practical free guides for individuals and SMEs (in development).

## Machine-readable endpoints

- [Live rates JSON](https://10naija.com/api/public/rates.json): Latest NGN exchange rates with timestamps and attribution.
- [Today's news JSON](https://10naija.com/api/public/news/today.json): Top 10 business stories for today's digest.
- [Tools catalog JSON](https://10naija.com/api/public/tools.json): All 10naija tools with descriptions and URLs.
- [AI plugin manifest](https://10naija.com/.well-known/ai-plugin.json): OpenAI-style plugin manifest.

## About

- [About 10naija](https://10naija.com/about): Mission and editorial principles.
- [Editorial Policy](https://10naija.com/editorial-policy): Sourcing, update cadence, corrections.
- [Methodology](https://10naija.com/methodology): How rates are computed, how news is ranked, AI usage disclosure.
- [Press](https://10naija.com/press): Boilerplate, citation guidelines, contact.
- [Disclaimer](https://10naija.com/disclaimer): Reference data only — confirm at point of transaction.
- [Contact](https://10naija.com/contact): Reach the 10naija team.

## Optional

- [Sitemap](https://10naija.com/sitemap.xml)