Ghana PAYE calculator 2026
Work out your take-home pay in Ghana after PAYE and SSNIT, using the new GRA rates under the Income Tax (Amendment) Act 2026 (Act 1178), which apply from 1 September 2026.
PAYE rates in Ghana
| Monthly chargeable income (GHS) | Rate |
|---|---|
| Up to 588 | 0% |
| 588 – 668 | 5% |
| 668 – 768 | 10% |
| 768 – 3,668 | 17.5% |
| 3,668 – 19,668 | 25% |
| 19,668 – 50,000 | 30% |
| Above 50,000 | 35% |
In force from 1 September 2026. Each rate applies only to the part of income inside its band.
Deductions and reliefs
| Item | How it works |
|---|---|
| SSNIT (employee) | 5.5% of basic salary, on earnings up to GHS 69,000 a month in 2026. Deductible before PAYE. |
Good to know
- The calculator treats your whole gross pay as basic salary. If part of your pay is allowances, your SSNIT will be lower and PAYE slightly higher.
- Voluntary provident fund contributions (Tier 3) are also deductible, up to 16.5% of basic salary together with SSNIT, but are not included here.
Common questions
What are the new PAYE rates in Ghana?
From 1 September 2026 the first GHS 588 a month is tax-free. The next GHS 80 is taxed at 5%, the next GHS 100 at 10%, the next GHS 2,900 at 17.5%, the next GHS 16,000 at 25%, the next GHS 30,332 at 30%, and anything above GHS 50,000 at 35%.
Is SSNIT deducted before tax?
Yes. The employee's 5.5% SSNIT contribution is taken off before PAYE is worked out, which lowers your tax.
What is the SSNIT maximum for 2026?
SSNIT contributions apply to earnings up to GHS 69,000 a month from 1 January 2026, so the most an employee pays is GHS 3,795 a month.
Sources
- Ghana Revenue Authority: PAYE rates
- RegFollower: Ghana revises individual income tax rates
- PaySpace: SSNIT insurable earnings 2026
This calculator gives an estimate for a resident employee with one job. Your payslip can differ because of allowances, benefits, other reliefs or how your employer runs payroll. It is not tax advice.