Income tax on a Ghanaian salary for 2026: GRA bands, SSNIT and take-home pay
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Income tax on a salary in Ghana is PAYE: SSNIT of 5.5% of basic salary comes off first, and the rest is taxed in seven monthly bands from 0% to 35%, the 2026 bands in force since 1 September 2026. On GH¢ 4,000 a month that is GH¢ 220 of SSNIT and GH¢ 549.50 of PAYE, leaving GH¢ 3,230.50.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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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.
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.
The rest of the article, and all 6 questions about Ghana PAYE Calculator 2026, are on the Ghana PAYE Calculator 2026 page.
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.
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.
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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