Ghana salary calculator
Enter a gross monthly salary in Ghanaian cedis (GHS) to see take-home pay, income tax, employee contributions and the total cost to the employer. Uses the same tax bands and contribution rates Payroll Africa uses to run payroll in Ghana.
Take-home pay
GHS 3,939.25
PAYE
GHS 785.75
15.7% of gross
Cost to employer
GHS 5,650.00
| Item | Employee | Employer |
|---|---|---|
| Gross salary | GHS 5,000.00 | — |
| SSNIT pension (Tier 1 + Tier 2)(deducted before tax) | − GHS 275.00 | GHS 650.00 |
| PAYE | − GHS 785.75 | — |
| Net pay | GHS 3,939.25 | GHS 5,650.00 |
Monthly estimate for a resident employee with no other reliefs, benefits or deductions, using the 2026 tax year configured in Payroll Africa. Confirm with the Ghana Revenue Authority (GRA) for your situation.
Ghana income tax bands (2026)
| Monthly taxable income (GHS) | Rate |
|---|---|
| GHS 0.00 – GHS 588.00 | 0% |
| GHS 588.00 – GHS 668.00 | 5% |
| GHS 668.00 – GHS 768.00 | 10% |
| GHS 768.00 – GHS 3,668.00 | 17.5% |
| GHS 3,668.00 – GHS 19,668.00 | 25% |
| GHS 19,668.00 – GHS 50,000.00 | 30% |
| Above GHS 50,000.00 | 35% |
Each rate applies only to the part of income inside its band.
Contributions in Ghana
| Contribution | Employee | Employer | Based on |
|---|---|---|---|
| SSNIT pension (Tier 1 + Tier 2) | 5.5% | 13% | Basic salary, up to GHS 69,000.00 a month; deducted before tax |
Frequently asked questions
How is PAYE calculated in Ghana?
Payroll Africa takes the gross monthly salary, subtracts SSNIT pension (Tier 1 + Tier 2), applies the 2026 tax bands shown on this page.
Which deductions come off a salary in Ghana?
Besides income tax, the employee pays SSNIT pension (Tier 1 + Tier 2) (5.5%). Employer-only costs are SSNIT pension (Tier 1 + Tier 2) (13%).
Is this calculator accurate for every employee?
It is an estimate for a resident employee paid monthly with no other reliefs, benefits or voluntary deductions. GRA PAYE monthly bands (Act 1111) annualised x12. SSNIT maximum insurable earnings GHS 61,000/month. Confirm your situation with the Ghana Revenue Authority (GRA).
Run payroll in Ghana without spreadsheets
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