Ghana · payroll and retirement

See the contribution today. Treat the pension carefully.

Calculate the statutory 2026 worker/employer split, then use credited months and your best 36-month salary average for a bounded age-60 pension estimate.

Worker 5.5% + employer 13%Tier 1 13.5% · Tier 2 5%2026 range GH₵587.80–69,000 monthly

Build a private SSNIT estimate

Use monthly basic salary—not take-home pay or allowances that are not treated as insurable earnings. Salary fields stay in this browser.

Verified rule window only.
Per worker, before the SSNIT deduction.
Use 1 for an individual estimate.
Monthly average from SSNIT-covered earnings; use 0 if unknown.
Confirm this on the SSNIT record.
For ages 55–59, SSNIT's reduction factor is required.

Formula provenance

Insurable earnings are clamped to GH₵587.80–69,000 for the verified 2026 period. Worker deduction = 5.5%; employer contribution = 13%. The combined 18.5% is allocated as 13.5% Tier 1 and 5% Tier 2. Within Tier 1, 11% is retained by SSNIT and 2.5% is allocated to NHIA; the NHIA share is included, not added again.

Pension right = 37.5% after 180 months + 0.09375 percentage points for each extra month, capped at 60% after 420 months. At age 60, estimated monthly pension = best-36 monthly average × pension right.

What is deliberately not calculated

We do not estimate Tier 2 account value, Tier 3 returns, early-retirement reductions, invalidity, survivor or emigration benefits, arrears, penalties, interest, refunds, contribution gaps or a pension award. These require records or factors that SSNIT, NPRA or the trustee must confirm.

Privacy and exports

No salary or contribution input is stored, placed in the URL, sent to analytics, AI or an API. Copy, CSV, JSON and PDF are created locally. Exported files contain your figures, so keep them private.

Ghana SSNIT questions

Why is the worker plus employer total different from the Tier 1 amount?

The combined contribution is 18.5%. SSNIT says 13.5% is remitted to the mandatory Tier 1 scheme and 5% to the worker's Tier 2 occupational scheme.

Why is no pension shown for age 55–59?

SSNIT applies an early-age reduction factor. The public guidance confirms the factor but the calculator does not assume a value that has not been reliably supplied for your exact retirement case.

What happens below 180 contribution months?

The monthly old-age pension threshold under Act 766 is 180 months. A lump-sum treatment may apply, but the amount depends on actual contributions and interest records, so this tool refers that calculation to SSNIT.