PAYE Calculator (Ghana)
Updated November 2026 · Free · No sign-up
Calculate Ghana PAYE — the graduated monthly bands (0% on the first slice to 35% at the top), applied after the 5.5% SSNIT deduction, to net pay.
Quick answer: Ghana’s monthly PAYE: a tax-free first band (~GH₵ 490), then graduated steps of 5%, 10%, 17.5%, 25%, 30%, and 35% (high incomes) — computed on pay AFTER the employee’s 5.5% SSNIT. Band edges adjust with budgets; verify current GRA tables.
The Band Structure (Indicative — Verify Current)
| First ~490 | 0% |
| Next ~110 | 5% |
| Next ~130 | 10% |
| Next ~3,167 | 17.5% |
| Next ~16,000 | 25% |
| Next ~30,520 | 30% |
| Above ~50,000 | 35% |
The 5.5% SSNIT employee share deducts first; reliefs (marriage, children’s education, aged dependants, disability) further trim via GRA claims.
Worked Example — GH₵ 8,000
SSNIT 440 → taxable 7,560 → banded tax ≈ GH₵ 1,580 → net ≈ GH₵ 5,980. Overtime for qualifying junior staff has concessional flat rates (5%/10%) — a separate regime worth knowing.
Notes
Bonus taxation: up to 15% of annual basic taxes at a flat 5%, the excess joins regular income — payroll should split it. Band edges have moved with cedi inflation budgets — this page’s edges are indicative; the GRA’s current-year table governs. Tier 2/3 pension contributions add deductibility (the SSNIT page covers tiers).
Frequently Asked Questions
How is PAYE calculated in Ghana?
Graduated monthly bands from 0% (first ~GH₵490) to 35%, computed after the 5.5% SSNIT deduction — band edges adjust with budgets; verify the GRA table.
Is SSNIT deducted before tax?
Yes — the employee’s 5.5% reduces taxable income; tier 2/3 contributions add further deductibility within limits.
How are bonuses taxed in Ghana?
Concessionally: up to 15% of annual basic at a flat 5%; amounts beyond join normal graduated income.
Are there reliefs beyond the bands?
Yes — marriage/responsibility, child education, aged-dependant, disability, and old-age reliefs via GRA claim forms.
What does GH₵8,000 gross net in Ghana?
Roughly GH₵5,900-6,100 after SSNIT and PAYE at current-style bands — reliefs lift it further.
✓ Formula verified • Last updated: November 3, 2026