Ghana PAYE & net salary calculator 2026
Your take-home pay after SSNIT and PAYE on the new GRA bands from 1 September 2026 (tax-free GH₵588 a month).
Net salary
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Net salary by gross pay
GH₵1,000.00GH₵900.03 netGH₵2,000.00GH₵1,679.65 netGH₵3,000.00GH₵2,459.27 netGH₵5,000.00GH₵3,939.25 netGH₵8,000.00GH₵6,065.50 netGH₵10,000.00GH₵7,483.00 netGH₵15,000.00GH₵11,026.75 netGH₵25,000.00GH₵17,916.40 netGH₵50,000.00GH₵34,453.90 net
Hiring in Ghana? See the total employer cost (SSNIT 13%).
Questions
What are Ghana's 2026 monthly PAYE bands?
From 1 September 2026 (Act 1178): first GH₵588 at 0%, next 80 at 5%, next 100 at 10%, next 2,900 at 17.5%, next 16,000 at 25%, next 30,332 at 30%, and above GH₵50,000 at 35%.
How much SSNIT does an employee pay?
5.5% of basic salary, deducted before PAYE. The employer pays 13%.
Is there a SSNIT cap?
Yes. In 2026 contributions are charged on at most GH₵69,000 a month of earnings.
Is tier 3 tax-deductible?
Yes, voluntary provident fund contributions up to 16.5% of basic salary are tax-free.
How are non-residents taxed?
A flat 25% of chargeable income, with no bands.
Sources
Updated 2026-11-13. Estimates for planning only, not tax advice.