Ghanaian PAYE, SSNIT and net pay for 2026 from basic salary and allowances
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Ghanaian PAYE is worked out on monthly pay after SSNIT of 5.5% of basic salary, in seven bands from 0% on the first GH¢ 588 to 35% above GH¢ 50,000. On a basic salary of GH¢ 5,000 a month the PAYE is GH¢ 785.75 and the net pay GH¢ 3,939.25.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
Type your basic salary for the month in Ghana cedis.
Add cash allowances such as transport or rent, which are taxed with the salary.
Under More options, add any provident fund (Tier 3) contribution you pay.
Read the PAYE, the SSNIT deduction and the net pay; open the Working tab to see each band.
This calculator turns a Ghanaian monthly salary into PAYE, SSNIT and net pay, following the Ghana Revenue Authority's PAYE page and SSNIT's own figures for 2026.
What comes off before tax. SSNIT takes 5.5% of basic salary from the worker. A contribution to a provident fund (the voluntary Tier 3) also comes off, up to 16.5% of basic salary. Cash allowances such as transport, rent or risk allowance are added to the salary and taxed with it.
The bands. The 2026 bands in force since 1 September 2026 (Income Tax (Amendment) Act, 2026, Act 1178) tax monthly chargeable income at 0% on the first GH¢ 588, 5% on the next GH¢ 80, 10% on the next GH¢ 100, 17.5% on the next GH¢ 2,900, 25% on the next GH¢ 16,000, 30% on the next GH¢ 30,332 and 35% above GH¢ 50,000.
A worked example. GH¢ 5,000 of basic salary: SSNIT GH¢ 275, chargeable income GH¢ 4,725, PAYE GH¢ 785.75, net pay GH¢ 3,939.25.
SSNIT tiers and limits. The employer adds 13% of basic salary, so 18.5% goes into pensions: 13.5% to SSNIT (Tier 1) and 5% to a Tier 2 trustee. For 2026 the basic salary used is at least GH¢ 587.80 and at most GH¢ 69,000 a month, so a worker pays at most GH¢ 3,795 of SSNIT.
Not included. Bonus and overtime, which GRA taxes at their own rates, benefits in kind, mortgage interest, donations, non-residents (a flat 25%) and the rates used before 1 September 2026. An estimate, not tax advice.
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GRA lists seven monthly bands for 2026, in force since 1 September 2026: 0% on the first GH¢ 588, 5% on the next GH¢ 80, 10% on the next GH¢ 100, 17.5% on the next GH¢ 2,900, 25% on the next GH¢ 16,000, 30% on the next GH¢ 30,332 and 35% above GH¢ 50,000.
A worker pays 5.5% of basic salary and the employer adds 13%, so 18.5% goes into pensions: 13.5% to SSNIT as Tier 1 and 5% to a Tier 2 trustee. For 2026 the basic salary counted is capped at GH¢ 69,000 a month, so a worker pays at most GH¢ 3,795.
Yes. GRA deducts the worker's 5.5% SSNIT contribution from income before working out PAYE, together with provident fund contributions up to 16.5% of basic salary. On GH¢ 5,000 of basic pay, SSNIT of GH¢ 275 leaves GH¢ 4,725 of chargeable income.
Cash allowances are added to the salary and taxed at the same bands: transport, rent, risk, night duty, responsibility and similar allowances. SSNIT, however, is worked out on basic salary only, so allowances raise PAYE without raising the SSNIT deduction. Benefits in kind are valued and taxed as well.
SSNIT's notice of 13 January 2026 set the minimum insurable earnings at GH¢ 587.80 a month and the maximum at GH¢ 69,000. The minimum Tier 1 contribution is GH¢ 79.40 and the maximum GH¢ 9,315. A basic salary below the minimum is counted at GH¢ 587.80.
A basic salary of GH¢ 5,000 a month leaves GH¢ 3,939.25. SSNIT takes GH¢ 275, leaving GH¢ 4,725 of chargeable income. Tax on that is GH¢ 785.75: nothing on the first GH¢ 588, then GH¢ 4, GH¢ 10, GH¢ 507.50 and GH¢ 264.25 in the higher bands.
Rates and rules change; check the source before you rely on a figure.
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