Tools
Ghana PAYE & SSNIT calculator
Monthly take-home pay, worked out band by band on the Revenue Authority’s published rates — including the employee relief most rough calculations miss, and the insurable-earnings ceiling most of them ignore.
Take-home payGH¢3,945.25PAYE GH¢779.75 · SSNIT GH¢275.00 · 15.6% effective tax rate
- Gross
- GH¢5,000.00
- Less employee SSNIT, 5.5%
- − GH¢275.00
- Chargeable income
- GH¢4,725.00
- Less PAYE
- − GH¢779.75
- Net pay
- GH¢3,945.25
How the PAYE is built up
| Rate | Chargeable in band | Tax |
|---|---|---|
| 0% | GH¢490.00 | GH¢0.00 |
| 5% | GH¢110.00 | GH¢5.50 |
| 10% | GH¢130.00 | GH¢13.00 |
| 17.5% | GH¢3,166.67 | GH¢554.17 |
| 25% | GH¢828.33 | GH¢207.08 |
| Total | GH¢4,725.00 | GH¢779.75 |
What it costs the employer
- Gross pay
- GH¢5,000.00
- Employer SSNIT, 13%
- GH¢650.00
- Total cost of employment
- GH¢5,650.00
- Of which Tier 1, to SSNIT
- GH¢675.00
- Of which Tier 2, to a licensed scheme
- GH¢250.00
Where these figures come from
- PAYE bands — the graduated monthly rates published by the Ghana Revenue Authority, effective 1 January 2024. Our arithmetic reproduces GRA’s own cumulative tax figures exactly at every band ceiling.
- Contributions — the National Pensions Act 2008 (Act 766): 18.5% of basic salary, being 5.5% from the employee and 13% from the employer, of which 13.5% goes to Tier 1 at SSNIT and 5% to a licensed Tier 2 scheme.
- Employee relief — the employee’s 5.5% is deducted before PAYE is worked out, not after. Running everything through a single percentage overstates the tax.
- Rates last checked — 24 September 2026.
This is an indicative calculation for a resident individual on ordinary monthly emoluments. It does not cover non-resident rates, bonuses taxed under the concessionary rule, overtime for qualifying junior staff, benefits in kind, or Tier 3 relief. For a payroll run, check against the current GRA and SSNIT publications.
Statutory calculation like this sits inside the payroll systems we build. Talk to us about yours