PAYE calculator for Ghana
Enter a monthly salary to see the income tax, SSNIT and take-home pay, band by band. It uses the bands in force from 1 September 2026 and the same engine as Salary Muse payroll.
This month
How the PAYE adds up
| Band | Rate | Taxed | Tax |
|---|
What it costs the employer
Worked out on the rules in force from 1 September 2026. A guide, not tax advice.
Ghana PAYE bands from 1 September 2026
These are the monthly bands for resident employees. Each slice of chargeable income is taxed at its own rate.
| Chargeable income a month | Rate |
|---|---|
| First GH₵588.00 | 0% |
| Next GH₵80.00 (GH₵588.00 to GH₵668.00) | 5% |
| Next GH₵100.00 (GH₵668.00 to GH₵768.00) | 10% |
| Next GH₵2,900.00 (GH₵768.00 to GH₵3,668.00) | 17.5% |
| Next GH₵16,000.00 (GH₵3,668.00 to GH₵19,668.00) | 25% |
| Next GH₵30,332.00 (GH₵19,668.00 to GH₵50,000.00) | 30% |
| Above GH₵50,000.00 | 35% |
Questions
How is PAYE worked out in Ghana?
Add up the month's cash pay (basic, taxable allowances and any bonus above the relief) and the value of benefits such as accommodation or a car. Take off SSNIT (5.5%), the deductible part of Tier 3 and your personal reliefs. What is left is chargeable income, taxed band by band.
What are the monthly PAYE bands from 1 September 2026?
0% on the first GH₵588.00, 5% on the next GH₵80.00, 10% on the next GH₵100.00, 17.5% on the next GH₵2,900.00, 25% on the next GH₵16,000.00, 30% on the next GH₵30,332.00, 35% on the rest.
Is SSNIT taxed?
No. The employee's 5.5% SSNIT is a relief: it comes off before PAYE is worked out. The employer's 13% is on top of pay and is not taxed in the employee's hands.
How are bonuses taxed?
Bonus up to 15% of the year's basic salary pays a 5% final tax. Any excess is added to the month's pay and taxed through PAYE.
How is overtime taxed?
Junior staff earning up to GH₵1,500.00 a month pay 5% on overtime up to half their basic and 10% above it. Everyone else's overtime is taxed through PAYE.
How are non-residents taxed?
A non-resident employee pays a flat 25% on chargeable income, with no personal reliefs.
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