Loading page
Enter a monthly salary to see the SSNIT contribution, the income tax and the take-home pay, band by band. Employers can work back from a take-home figure to the salary that gives it.
Rates in force from 1 Sept 2026 · checked 25 Sept 2026 · source · source · source · source
An estimate for regular monthly pay, not tax advice. Your employer's payroll, your reliefs and your allowances decide what you actually pay.
Income tax (PAYE) is charged on chargeable income: pay after the employee's SSNIT contribution of 5.5% of basic salary, and after any voluntary Tier 3 pension contribution up to 16.5% of basic salary. The bands are graduated, so each rate applies only to the income within its band.
The bands are the ones the Ghana Revenue Authority applies from 1 Sept 2026: each month, the first GH₵588.00 is tax-free, the next GH₵80.00 at 5%, the next GH₵100.00 at 10%, the next GH₵2,900.00 at 17.5%, the next GH₵16,000.00 at 25%, the next GH₵30,332.00 at 30%, and income above GH₵50,000.00 at 35%.
Bonuses, overtime and personal reliefs (for marriage, children's education, aged dependants and disability) are taxed or claimed separately and are not included. The calculator covers a regular month's pay.
Sources: GRA: Income Tax (Amendment) Act, 2026 rates, GRA: PAYE, SSNIT: insurable earnings 2026
Transport, housing and other cash allowances
Tax relief on up to 16.5% of basic salary
GH₵47,271.00 a year
Tax is 15.7% of gross pay; the next cedi is taxed at 25%. The employer pays GH₵650.00 SSNIT on top (13%), so the job costs GH₵5,650.00 a month.
| Chargeable income a month | Rate | Tax |
|---|---|---|
| GH₵0.00 to GH₵588.00 | 0% | GH₵0.00 |
| GH₵588.00 to GH₵668.00 | 5% | GH₵4.00 |
| GH₵668.00 to GH₵768.00 | 10% | GH₵10.00 |
| GH₵768.00 to GH₵3,668.00 | 17.5% | GH₵507.50 |
| GH₵3,668.00 to GH₵19,668.00 | 25% | GH₵264.25 |
| GH₵19,668.00 to GH₵50,000.00 | 30% | GH₵0.00 |
| Above GH₵50,000.00 | 35% | GH₵0.00 |