Free Ghana calculator
See what goes to SSNIT, your Tier 2 trustee and Tier 3 each month, what the employee pays, what you pay, and how much Tier 3 is tax-free.
Rates checked against official sources on 17 October 2026
Paid to SSNIT this month (Tier 1)
GH₵675.00
Per year GH₵8,100.00
Calculated on GH₵5,000.00, the 2026 maximum insurable earnings.
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.
Ghana's compulsory pension contribution is 18.5% of basic salary: 5.5% from the employee and 13% from the employer. It is paid in two parts. 13.5% goes to SSNIT as Tier 1 (the employee's 5.5% plus 8 points of the employer's 13%), and 5% goes to a private Tier 2 trustee licensed by the NPRA.
From 1 January 2026, contributions are worked out on basic salary up to GH₵69,000 a month, the maximum insurable earnings. Above that, the calculator uses GH₵69,000, which makes the largest Tier 1 payment GH₵9,315.
Tier 3 is voluntary. Contributions from the employee and employer together are tax-free up to 16.5% of basic salary, and anything above that is taxed. For the full picture, read our guide to SSNIT, Tier 2 and Tier 3.
SSNIT expects Tier 1 contributions by the 14th of the following month. Tier 2 is paid to your trustee on the schedule in your scheme's trust deed, usually at the same time. Late payment attracts penalties.
No. It's calculated on basic salary. Allowances are left out.
No. Tier 2's 5% comes out of the employer's 13%. The employee's only compulsory contribution is the 5.5%.
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.
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