Withholding tax is deducted by your customer and remitted to the relevant tax authority on your behalf. It reduces the cash you receive but is generally an advance income-tax credit, so keep the withholding-tax credit note.
Common Nigerian rates include 5% and 10%, but the correct rate depends on the payment category, payee type, exemptions, and sometimes treaty rules. WHT is normally calculated on the goods or service value before VAT: on a ₦500,000 invoice plus ₦37,500 VAT, the WHT base is ₦500,000.
Use the free WadMaster WHT calculator for common cases and confirm the applicable rate with the Nigeria Revenue Service guidance or a tax adviser before remitting.
Yes. The invoice generator, receipt generator, VAT calculator, withholding tax calculator and profit margin calculator are all free with no account, no card, and no limit on how many documents you make. There is no trial that expires and nothing to cancel.
No. Every tool at wadmaster.com/tools works without signing up. An account is only for the part the tools cannot do: keeping a record of what you sent, seeing who has paid, and chasing what is still outstanding.
Yes, you can send the free invoice or receipt PDF to a real customer, but it does include WadMaster branding in the document footer. It is not a translucent watermark across the page. Your business and transaction details remain the main document content. Inside a WadMaster account, Free and Starter invoices also keep the WadMaster line, and Pro removes it.
