Ghana Take-Home Pay

Work out PAYE, SSNIT and your net salary using GRA's revised individual income tax bands under the Income Tax (Amendment) Act, 2026 (Act 1178).

Bands effective 1 Sep 2026 · SSNIT cap GH₵69,000

Salary

I'm entering amounts

Tax residency

Basic salary

GH₵

Allowances

Taxable allowances are added to your chargeable income. Untick for genuine reimbursements that GRA treats as exempt.

Pension Deduct SSNIT (Tier 1 & 2) at 5.5% of basic salary Tier 3 voluntary contribution (% of basic)

Up to 16.5% of basic salary is deductible for tax. Anything above that still comes out of pay but gets no relief.

Bonus & reliefs Bonus paid this period

GH₵

Residents pay a flat 5% on bonus up to 15% of annual basic salary. The excess is taxed at the normal bands.

Personal reliefs (claimed through GRA)

Marriage / responsibility relief (GH₵1,200 a year)

Children in school (max 3, GH₵600 each a year) Aged dependants 60+ (max 2, GH₵1,000 each a year)

Disability relief (25% of assessable income)

Amounts follow the Income Tax Act, 2015 (Act 896). They apply only after GRA approves your claim, so most payslips will not show them.

Other deductions

After-tax charges such as loan repayments, welfare or union dues. They don't change your PAYE.

Monthly PAYE bands (residents)

First GH₵588 at 0%, next GH₵80 at 5%, next GH₵100 at 10%, next GH₵2,900 at 17.5%, next GH₵16,000 at 25%, next GH₵30,332 at 30%, and income above GH₵50,000 at 35%. Non-residents pay a flat 25% on employment income.

GRA's notice prints the 30% band as GH₵30,334, but the annual table (GH₵363,984 ÷ 12) and the GH₵50,000 threshold both give GH₵30,332, so this calculator uses that figure.

SSNIT

Employees pay 5.5% and employers 13% of basic salary, on insurable earnings between GH₵587.80 and GH₵69,000 a month for 2026. Of the 18.5% total, 13.5% goes to SSNIT (Tier 1) and 5% to a private trustee (Tier 2). Your 5.5% is deducted before PAYE.

Limits

An estimate, not tax advice. Your payroll may treat some allowances or benefits in kind differently.
Overtime for junior staff and benefits in kind (car, housing) have their own rules and are not modelled.
Sources: GRA notice on Act 1178; SSNIT public notice, 13 Jan 2026.