SSNIT calculator for Ghana
Enter a monthly basic salary to see the employee's 5.5%, the employer's 13%, and how the money splits between SSNIT and the Tier 2 trustee, on the rates in force from 1 September 2026.
This month
Where it goes
The employee's pay
Worked out on the rules in force from 1 September 2026. A guide, not legal advice. Add allowances in the PAYE calculator.
SSNIT rates from 1 September 2026
Every month, 18.5% of basic salary is paid for each employee under 60.
Who pays
| Part | Rate |
|---|---|
| Employee, taken from pay | 5.5% |
| Employer, on top of pay | 13% |
| Together | 18.5% |
Where it goes
| To | Rate |
|---|---|
| Tier 1, SSNIT | 13.5% |
| Tier 2, the employee's trustee | 5% |
| Together | 18.5% |
Questions
What are the SSNIT rates in Ghana?
18.5% of basic salary: 5.5% from the employee and 13% from the employer. Of that, 13.5% goes to SSNIT (Tier 1) and 5% to the employee's Tier 2 trustee.
Is there a minimum and a maximum?
Yes. Contributions are worked out on basic salary of at least GH₵587.79 and at most GH₵69,000.00 a month.
When does SSNIT stop?
At 60. From then no SSNIT is deducted, and the employee can claim the old-age tax relief.
What if someone can't join Tier 1?
Someone who can't join the SSNIT scheme (for example, first employed after 45) still contributes, but the whole 18.5% goes to their Tier 2 trustee.
What is Tier 3?
A voluntary provident fund on top of SSNIT. Employee and employer contributions together of up to 16.5% of basic are free of tax; anything above that is taxed.
File SSNIT without the spreadsheet
Free for up to 5 employees. 3 days to try. No card needed.