Ghana Salary Calculator GRA 2024–26

PAYE · SSNIT · Allowances · Benefits-in-kind · Overtime · Bonus

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Your earnings

Gross basic salary (GH₵)

Transport allowance (GH₵)

Housing allowance (GH₵)

Utility allowance (GH₵)

Other cash allowances (GH₵)

All cash allowances are taxable and added to basic salary before PAYE.

Benefits-in-kind are quantified at GRA statutory rates and added to taxable income.

Vehicle benefit

Employer accommodation

Other benefits-in-kind (GH₵ annual)

Annual bonus (GH₵) Up to 15% of basic: 5% tax. Excess added to employment income.

Overtime — monthly (GH₵) Junior staff below GH₵ 18,000/yr: 5% up to 50% of basic, 10% excess.

Provident fund (% of basic, max 16.5%)

Employer

Tier 2 pension — employer (%, min 5%)

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Payslip breakdown

Income

+ Basic salary—

+ Cash allowances—

+ Benefits-in-kind—

+ Overtime—

Deductions

− SSNIT Tier 1 (5.5%)—

− Provident fund—

− PAYE income tax—

− Bonus tax—

− Overtime tax—

💳 Take-home pay —

Effective tax rate

—

of gross

Marginal band

—

top rate

Employer SSNIT

—

Tier 1 + Tier 2

Total employer cost

—

incl. contributions

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PAYE band breakdown — annual taxable income

Estimates only. Based on GRA 2024–26 PAYE rates. Cash allowances and benefits-in-kind are taxable. Exempt: medical/dental costs, reimbursed work expenses, passage to/from Ghana. Non-residents: flat 25%. SSNIT insurable earnings capped at GH₵ 61,000. Consult a qualified Ghanaian tax practitioner for official advice.