Free Ghana calculator
Work out PAYE, SSNIT and net pay for any salary in Ghana, on the new September 2026 bands or the old ones, with the full working shown.
Rates checked against official sources on 17 October 2026
Take-home pay each month
GH₵4,648.00
Per year GH₵55,776.00
SSNIT is capped at the 2026 maximum insurable earnings of GH₵69,000 a month.
GH₵0.00of the Tier 3 contribution is above the 16.5% limit, so it's taxed.
| Band | Income in band | Tax |
|---|---|---|
| First GH₵588 at 0%on GH₵588.00 | GH₵588.00 | GH₵0.00 |
| Next GH₵80 at 5%on GH₵80.00 | GH₵80.00 | GH₵4.00 |
| Next GH₵100 at 10%on GH₵100.00 | GH₵100.00 | GH₵10.00 |
| Next GH₵2,900 at 17.5%on GH₵2,900.00 | GH₵2,900.00 | GH₵507.50 |
| Next GH₵16,000 at 25%on GH₵2,002.00 | GH₵2,002.00 | GH₵500.50 |
| Next GH₵30,332 at 30%on GH₵0.00 | GH₵0.00 | GH₵0.00 |
| Above GH₵50,000 at 35%on GH₵0.00 | GH₵0.00 | GH₵0.00 |
| PAYE for the month | GH₵1,022.00 |
Chargeable income: GH₵5,670.00· Effective rate 17%· From 1 September 2026
An estimate to help you plan, based on the rates shown. It isn't tax or legal advice, and individual circumstances (other reliefs, other income) can change the result.
It follows the same steps as a Ghanaian payroll. First it takes the employee's 5.5% SSNIT contribution off basic salary (up to the GH₵69,000 monthly ceiling for 2026). It adds any taxable allowances, takes off Tier 3 contributions within the 16.5% relief limit, and the result is the chargeable income. That income is then walked up the GRA's monthly PAYE bands, and each slice is taxed at its band's rate.
The new bands from 1 September 2026 raise the tax-free amount to GH₵588 a month. Switch the tax table to compare with the bands that applied from January 2024 to August 2026. Lower earners pay a little less on the new bands, and anyone with chargeable income above about GH₵3,817 a month pays slightly more. We explain why in ourguide to the new PAYE bands.
Yes. The employee's 5.5% SSNIT contribution is deducted from income before PAYE is worked out, so it lowers the tax.
If your chargeable income is above about GH₵3,817 a month, the new bands charge slightly more, usually GH₵6 a month, because the 17.5%, 25% and 30% bands now end a little earlier.
Employers deduct PAYE monthly, using the monthly table. The GRA also publishes an annual table, which is exactly twelve times the monthly one, for annual returns.
The tax-free band is now GH₵588 a month. See the new PAYE table, who pays less, who pays a little more, and what to update before you run payroll.
4 min read
Who pays what, where each cedi goes, the 2026 contribution ceiling and the 14-day deadline, with a worked example for a GH₵5,000 basic salary.
3 min read
How to turn the daily minimum wage into a monthly figure, why GH₵587.79 keeps appearing in payroll rules, and what casual and temporary workers are owed.
2 min read
Try Eban Register
Eban works out PAYE, SSNIT and Tier 2 for every employee, keeps up with GRA rate changes and sends payslips straight to their phones.