Free tool · Ghana tax 2026
Ghana PAYE tax calculator 2026
Work out your income tax, SSNIT contribution and take-home pay in Ghana using the new PAYE rates in force from 1 September 2026.
Your income
Tax-free up to 16.5% of salary.
SSNIT (5.5%) is deducted automatically and reduces your taxable income.
Your take-home pay
GH₵3,939 / month
- Take-home payGH₵47,271
- Income taxGH₵9,429
- SSNIT (5.5%)GH₵3,300
- Gross salary
- GH₵60,000
- Taxable income
- GH₵56,700
- Income tax
- GH₵9,429
- Other deductions
- GH₵3,300
- Effective rate (all deductions)
- 21.2%
- Marginal rate on next unit earned
- 25%
| Taxable income band | Rate | Tax |
|---|---|---|
| GH₵0 – GH₵7,056 | 0% | GH₵0 |
| GH₵7,056 – GH₵8,016 | 5% | GH₵48 |
| GH₵8,016 – GH₵9,216 | 10% | GH₵120 |
| GH₵9,216 – GH₵44,016 | 17.5% | GH₵6,090 |
| GH₵44,016 – GH₵56,700 | 25% | GH₵3,171 |
Estimates for employees using standard rates only. They don't include tax codes, benefits in kind, student loans, other income or personal circumstances, and aren't financial or tax advice. Check with the tax authority or an adviser before making decisions.
How it works
How PAYE is calculated in Ghana
Your employer first deducts your SSNIT contribution of 5.5% of salary. Mandatory SSNIT contributions are tax-free, so they reduce your chargeable income. Voluntary Tier 3 pension contributions are also tax-free up to 16.5% of salary.
The rest is taxed using the graduated rates introduced by the Income Tax (Amendment) Act 2026: nil on the first GH¢7,056 a year (GH¢588 a month), then 5%, 10%, 17.5%, 25% and 30%, with 35% on income above GH¢600,000 a year (GH¢50,000 a month).
SSNIT is strictly calculated on basic salary. For simplicity we apply it to the salary you enter, so if part of your pay is allowances your payslip may differ slightly.
Sources
Rates checked October 2026 against the Ghana Revenue Authority's PAYE schedule (Act 1178), effective 1 September 2026.
Private by design
Every calculation runs in your browser. Nothing you type is sent to us or stored.
FAQ
Common questions
What are the new PAYE rates in Ghana?
From 1 September 2026, resident individuals pay nil on the first GH¢588 of monthly chargeable income, 5% on the next GH¢80, 10% on the next GH¢100, 17.5% on the next GH¢2,900, 25% on the next GH¢16,000, 30% on the next GH¢30,332 and 35% on anything above GH¢50,000.
How much is the tax-free threshold in Ghana?
The first GH¢7,056 of annual chargeable income (GH¢588 a month) is tax-free for resident individuals, up from GH¢5,880 before the 2026 amendment.
Is SSNIT deducted before tax?
Yes. The employee's 5.5% SSNIT contribution is tax-deductible, so PAYE is calculated on your salary after SSNIT. The employer pays a further 13% on top of your salary.
How are non-residents taxed in Ghana?
Non-resident individuals are generally taxed at a flat rate of 25% on their Ghana-source income. This calculator is for resident employees.
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