Tools and templates
Calculators that use the same figures as the guides, and letter templates you can copy. Nothing you type is sent anywhere — every calculation happens on your own device.
Calculators
Ghanaian salary calculators, rent advance calculators and VAT calculators. Everything runs in your browser.
- Salary calculator Work out your monthly take-home pay in Ghana after PAYE income tax and SSNIT pension contributions, with a band-by-band breakdown of the tax.
- Rent advance calculator Work out the lump sum an Accra landlord is demanding up front, how much of it exceeds the legal maximum, and what you need to save each month.
- Cost of living calculator Build a realistic monthly budget for Accra - rent, food, trotro fares, ECG credit, water, data and gas - and compare it against Ghanaian wages.
- VAT calculator Add or remove Ghanaian VAT and its two levies at the rates in force since 1 January 2026, and see why the rate you pay is above the headline 15%.
- Import duty calculator Work out the duty, levies and VAT on goods imported into Ghana, from the value of the shipment and its tariff band.
- Vehicle import duty calculator What a car actually costs to land in Tema: duty by engine capacity, the overage penalty on older vehicles, the levies and VAT.
- Withholding tax calculator See what really reaches your account after a client withholds tax, how VAT and WHT interact, and why the certificate matters.
- Loan repayment calculator Monthly repayments and total interest on a loan, and what a flat rate actually costs once you convert it to a reducing balance.
- WASSCE aggregate calculator Work out your WASSCE aggregate from your grades, check you have six credit passes, and see where you stand against university cut-offs.
- Business viability checker Pick a trade and a Greater Accra district. See how it ranks on the 2021 census for footfall, spending power and competition.
- Pension calculator Work out your SSNIT pension right, what the three tiers take from your salary, and what a voluntary Tier 3 contribution costs after tax relief.
- Night out planner Give it a budget, a group and an evening. It builds a night from real Accra bars, restaurants and clubs, with times, fares and an estimated total.
Letter and document templates
Tenancy agreements, receipts, resignation letters and checklists you can copy and adapt.
- Tenancy agreement template A plain-English tenancy agreement template for Ghana, with the clauses that protect a tenant paying a large rent advance.
- Rent advance receipt A receipt template for rent paid in advance in Ghana, naming the exact period it covers - the document that settles a dispute two years later.
- Resignation letter A short, professional resignation letter for a Ghanaian employer, with the notice periods the Labour Act actually requires.
- Contract checklist What to check in a Ghanaian employment contract before signing, including the basic-to-allowance split that quietly decides your pension.
Maps, data and live pages
Things to explore rather than calculate.
- Accra Pulse Vote on questions about the city from inside Greater Accra, and see on a live map how each of the 29 districts answers.
- Map of Greater Accra Every district assembly, its constituencies and landmarks, shaded by who lives there from the 2021 census.
- Nonstop flights from Accra All 38 destinations from Kotoka on one map, with the airlines that fly each route.
- Accra and Ghana in numbers Population, the economy, schooling and daily life over the decades, with what is Accra and what is Ghana kept apart.
- Accra radio, live Listen to 16 Accra stations in your browser, with their frequencies.
- Events in Accra Festivals, music, public holidays and the fixtures that come round every year.
- What's in season in Accra Fruit, vegetables, staples, livestock and fish, month by month, with 35 photographs and where each is grown.