Turn Life Events Into a
Canonical Tax Story
Traditional tax experiences ask you to fill forms that mirror law, not life. Blackgoat flips that. We start with who you are and how you live.
Who You Are
Your state, local area, employment status, age, and tax year. These define the context of your tax obligation.
How You Earn
Salary, side gigs, informal business, investments, and more. We treat these as a continuous stream of events.
How You Live
Rent, pension contributions, health insurance, and major asset sales. These are the life events that drive reliefs and exemptions.
What is Withheld
PAYE from your employer, withholding tax, and past payments. We track these as they happen, not at the end of the year.
The Power of the Story
Behind the scenes, the app turns this into a single, structured description of your tax position—a canonical story of your year that the tax engine can understand.
Quick Forecasts
"If I change jobs, what happens to my tax?"
Annual Filings
"Use my saved income streams to file this year."
Future Products
"Can I qualify for a loan based on my verified tax history?"
If you have a standard Personal Income Tax (PIT) return only (Salary/Employment income, and common reliefs such as Pension, NHF, NHIS, and Life Assurance), you can file seamlessly with Blackgoat Basic. Roughly 65% of Nigerian taxpayers are eligible for this standard filing category.
Examples of situations included in a Standard PIT Return:
- Employment Income (PAYE) from one or more employers
- Interest and Dividends (where WHT is final tax)
- Consolidated Relief Allowance (CRA)
- Pension Contributions (RSA)
- National Housing Fund (NHF) Contributions
- National Health Insurance Scheme (NHIS) Contributions
- Life Assurance Premiums
- Business Expenses (for specialized Self-Employed filings)
Blackgoat Advanced (for situations not included in Standard Return):
- Complex Capital Gains adjustments
- Foreign Income with double taxation treaty claims
- Complex Trust or Estate income
- Business Income requiring audited financial statements
Blackgoat Guarantees
100% Accurate Calculations Guarantee: If you pay a State Internal Revenue Service (SIRS) or NRS (formerly FIRS) penalty or interest because of a Blackgoatcalculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. This guarantee is good for the lifetime of your tax return, defined as six years from the date you filed it.
Maximum Tax Savings Guarantee: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable Blackgoat purchase price paid. This guarantee is applicable to the specific tax year filed.
Audit Support Guarantee: If you receive an audit letter from a State Board of Internal Revenue or NRS (formerly FIRS) based on your Blackgoat individual or business return, we will provide one-on-one question-and-answer support with a tax professional. We will not represent you before the tax authority or provide legal advice unless you have purchased the Audit Defense add-on.
Satisfaction Guaranteed: You may use Blackgoat Online without charge up to the point you decide to print or electronically file your tax return. Printing or electronically filing your return reflects your satisfaction with Blackgoat Online.
* Prices are subject to change without notice. Internet access required; standard data rates apply to download and use mobile app.