Enter your basic salary and allowances to see what actually reaches your bank account, and where the rest went.
Ghana salary and PAYE calculator
Work out your take-home pay in Ghana after PAYE income tax, SSNIT pension contributions and Tier 3, with a band-by-band breakdown of the tax.
How the calculation works
The order matters, and payroll departments get it wrong surprisingly often:
- SSNIT comes off first — 5.5% of your basic salary only, not of your total pay.
- Tier 3 contributions come off next, deductible up to 16.5% of basic salary.
- PAYE is charged on what remains, plus your allowances.
Tax is not charged on your SSNIT contribution. If your employer computes PAYE on gross pay before deducting SSNIT, you are paying too much.
The bands
| Monthly income | Rate |
|---|---|
| First ₵490 | 0% |
| Next ₵110 | 5% |
| Next ₵130 | 10% |
| Next ₵3,166.67 | 17.5% |
| Next ₵16,000 | 25% |
| Next ₵30,520 | 30% |
| Above ₵50,416.67 | 35% |
The calculator reads these same figures, so the table and the tool cannot disagree.
What it does not include
- Personal reliefs from the GRA — marriage, child education, old age, disability and others. Claiming them reduces your tax further.
- Overtime and bonus tax, which are computed under separate rules.
- Non-cash benefits in kind, such as a company car or accommodation.
- Church tax equivalents — there is no such thing in Ghana.
Everything you type stays on your device
The calculation runs entirely in your browser. Your salary is not sent anywhere, logged or stored. You can verify this by watching your browser’s network tab.