Ghana PAYE Tax Calculator 2026

GRA 7-band progressive tax (0%-35%), SSNIT Tier I/II/III optimizer, bonus calculator, all personal reliefs. Your exact take-home pay in Ghana cedis.

AI Advisor GRA 2026 Verified SSNIT Cap GHS 61,000 Tier III Optimizer

Source: GRA (gra.gov.gh) · Income Tax Act 2015 (Act 896) · SSNIT Act 1991 · NPRA

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SSNIT 5.5% applies to basic salary only, not allowances.

Ghana Tax FAQ

What are the Ghana GRA PAYE tax bands for 2026?
Seven bands: 0% on first GHS 5,880; 5% on next GHS 1,320; 10% on next GHS 1,560; 17.5% on next GHS 38,000; 25% on next GHS 192,000; 30% on next GHS 360,000; 35% above GHS 600,000.
How is SSNIT calculated in Ghana?
Employees contribute 5.5% of basic salary (Tier I: 0.5% + Tier II: 5%). Employers add 13%. 2026 insurable earnings cap is GHS 61,000/year - max employee SSNIT is GHS 3,355/year.
What is SSNIT Tier III and how does it reduce tax?
Tier III is a voluntary occupational pension. Contributions are tax-deductible up to 16.5% of basic salary, directly reducing chargeable income before PAYE. It's one of Ghana's most powerful legal tax tools.
How are bonuses taxed in Ghana?
The first 15% of annual basic salary paid as bonus is taxed at a flat 5%. Any bonus above 15% of basic is taxed at progressive GRA PAYE rates.
What personal reliefs can I claim?
Marriage relief (GHS 1,200/yr), child relief (GHS 1,200 per child, up to 2), disability (25% of income), old age 60+ (GHS 1,500/yr), dependent relative (GHS 1,000/yr). All require GRA registration.
What is the employer's total cost in Ghana?
Total employer cost = employee gross + 13% employer SSNIT on basic (capped at GHS 61,000). For GHS 60,000 gross with GHS 40,000 basic, employer cost is approximately GHS 65,200/year.