Ghana PAYE Calculator

Enter your monthly basic salary and any cash allowances. The calculator takes off SSNIT at 5.5% of basic salary, applies the GRA monthly income tax bands in force from 1 September 2026 and shows your PAYE and net pay for the month and the year. It runs in your browser, so nothing is uploaded.

Runs in your browser. Your files never leave your device.

GRA monthly bands in force from 1 September 2026, checked November 2026. Confirm with the Ghana Revenue Authority.

Monthly basic salary (GH₵)

Monthly cash allowances (GH₵)

Housing, transport and similar cash allowances are added to your salary for tax.

Other deductions before tax (GH₵)

For example a provident fund, up to 16.5% of basic, or mortgage interest on one home.

Deduct SSNIT (5.5% of basic)

Net pay a month

GH₵3,939.25

GH₵47,271 a year

PAYE a month

GH₵785.75

Chargeable income GH₵4,725.00

Gross pay

GH₵5,000.00

SSNIT (you)

GH₵275.00

The first GH₵588 a month is tax-free. Then 5%, 10%, 17.5%, 25%, 30% and 35% above GH₵50,000. Overtime and bonuses have their own rules, so this estimate covers regular pay only.

How it works

01Enter your monthly basic salary and cash allowances in cedis.
02Keep SSNIT on and add any other deductions before tax.
03Read your PAYE, net pay and the breakdown.

Tips and common mistakes

Enter basic salary and allowances separately

SSNIT is worked out on basic salary only, while cash allowances are taxed with it. Splitting them gives a closer match to your payslip.

Check which table your employer uses

The new monthly bands apply from 1 September 2026. If your payslip for that month still shows the old first band, ask payroll when they will update it.

Guides for this tool

Ghana and Uganda PAYE Explained: SSNIT, NSSF and the Monthly BandsA plain guide to how monthly PAYE and take-home pay work in Ghana and Uganda, with the current bands, pension deductions and a worked example for each.2 min

Questions

What are the Ghana PAYE bands?

Monthly: the first GH₵588 is tax-free, then 5% on the next GH₵80, 10% on the next GH₵100, 17.5% on the next GH₵2,900, 25% on the next GH₵16,000, 30% on the next GH₵30,332 and 35% above GH₵50,000.

Is SSNIT deducted before tax?

Yes. Your 5.5% SSNIT contribution on basic salary is taken off before PAYE is worked out, so it lowers your taxable pay.

Why is my payslip different?

Overtime, bonuses and some benefits are taxed under separate rules. This estimate covers regular pay, so confirm with your payslip and the Ghana Revenue Authority.

Is my file uploaded to a server?

No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.

Is it free?

Yes. It is free to use, with no signup, no watermark and no daily limit.

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