Employer cost calculator: Ghana 2026
What an employee really costs in Ghana: gross salary plus mandatory employer contributions. A GH₵5,000 monthly salary costs about GH₵5,650 (1.13× gross).
Employer cost by salary
Employer SSNIT of 13% on basic salary, capped at GH₵69,000 a month.
| Gross per month | GH₵2,000 | GH₵5,000 | GH₵10,000 | GH₵25,000 |
|---|---|---|---|---|
| SSNIT | GH₵260 | GH₵650 | GH₵1,300 | GH₵3,250 |
| Total employer cost | GH₵2,260 | GH₵5,650 | GH₵11,300 | GH₵28,250 |
| Cost multiplier | 1.130× | 1.130× | 1.130× | 1.130× |
| Employee take-home | GH₵1,680 | GH₵3,939 | GH₵7,483 | GH₵17,916 |
Employer SSNIT 13% of basic salary (of the 18.5% total, 13.5% goes to tier 1 and 5% to tier 2), capped at GHS 69,000 a month.
Employee side: Ghana take-home pay calculator.
GET /v1/employer-cost?country=gh&gross=… — free API key, 1,000 calls/month.Questions
How much does it cost to employ someone in Ghana?
On top of gross pay, employers in Ghana pay employer SSNIT of 13% on basic salary, capped at GH₵69,000 a month. For a GH₵5,000 monthly salary the total is about GH₵5,650, or 1.13 times gross pay.
Does this include benefits or an EOR fee?
No. It covers statutory employer contributions and mandatory accruals only. Private health insurance, allowances, equipment and Employer of Record fees come on top.
Sources
- https://gra.gov.gh/domestic-tax/tax-types/paye/
- https://taxsummaries.pwc.com/ghana/individual/taxes-on-personal-income
- https://taxsummaries.pwc.com/ghana/individual/other-taxes
- https://support.payspace.com/portal/en/kb/articles/ghana-revised-maximum-and-minimum-insurable-earnings-for-2026
Updated 2026-11-13. Estimates for planning only, not tax advice.