Ghana Payroll Calculator
Monthly PAYE, SSNIT and net pay on a Ghanaian payroll, with the band-by-band working set out in full. Free to use, no sign up, and maintained against the current Ghana Revenue Authority schedule.
Taxable, but outside the SSNIT calculation. Leave at zero where basic salary is the full package.
Show the band-by-band working
PAYE is charged on each slice of chargeable income at that band's rate, never on the whole salary at the top rate.
| Monthly slice | Rate | Tax |
|---|
Rate accuracy
- Schedule in force
- Resident monthly bands under the Income Tax (Amendment) Act, 2026 (Act 1178)
- Verified against
- Act 1178 as implemented by the Ghana Revenue Authority from 1 September 2026, and the SSNIT insurable earnings notice
- Last checked
- 24 September 2026
- Next scheduled review
- January 2027, and within one month of any amendment
We review these figures every January and whenever the law changes, because a payroll calculator that quietly goes out of date is worse than no calculator at all. If you believe a figure here is wrong, email hello@ananseadvisory.com and we will correct it or explain the treatment.
How this is calculated. The employee's SSNIT contribution of 5.5% of basic salary is deducted first, and PAYE is charged on what remains plus any cash allowances. SSNIT applies between the 2026 insurable earnings floor of GHS 587.80 and ceiling of GHS 69,000 per month. The employer contributes a further 13%, of which 13.5 percentage points of the combined 18.5% goes to Tier 1 at SSNIT and 5 goes to the Tier 2 trustee.
Bands are those enacted by the Income Tax (Amendment) Act, 2026 (Act 1178), assented to on 26 August 2026 and implemented by the Ghana Revenue Authority from 1 September 2026. An estimate for planning, not tax advice. Allowances, benefits in kind, personal reliefs, bonuses and overtime all have their own treatment. Contact us where a live payroll depends on the outcome.
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