Ghana
Ghana calculators
With the values in force in Ghana, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Bank of Ghana interbank mid rate, cedis per US dollar,
- Official sources
- 11 official documents
Pay and work
- Minimum wage in Ghana 2026The National Daily Minimum Wage for 2026 is GH₵21.77, a 9% increase over 2025, set by the National Tripartite Committee.
- Take-home pay calculator GhanaEnter your basic salary and cash allowances to see what you take home after SSNIT and PAYE.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Taxes
- Employer cost calculator GhanaBesides the salary, employers in Ghana add 13% of each worker's basic salary to SSNIT every month.
- Modified Taxation Scheme calculatorThe Modified Taxation Scheme taxes small businesses on their turnover instead of their profit.
- PAYE calculator GhanaEnter your chargeable income for a month or a year and see the income tax due under the graduated rates for resident individuals.
- SSNIT contribution calculatorEvery month the employer deducts 5.5% of the worker's basic salary and adds 13%, for a total of 18.5%.
- VAT calculator GhanaSince 1 January 2026, VAT, NHIL and the GETFund Levy are all charged on the same value of the supply, and the 1% COVID-19 levy no longer applies.
Money and indexes
Money and indexes
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the down payment invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Bonus tax calculator GhanaBonuses get a lower rate than salary, up to a limit. Above the limit, the extra is taxed like the rest of your income.
- Capital gains tax calculator GhanaWhen you sell an asset for more than it cost you, the profit is a capital gain. For individuals it is taxed at 15%.
- Casual worker tax calculatorPayments to casual workers are not taxed with the PAYE bands. The payer deducts a flat 5% and pays it to the GRA.
- Gift tax calculator GhanaA gift you receive that is not related to your job or business is a gift from investment, and it is taxed on its market value.
- Overtime tax calculator GhanaOvertime paid to qualifying junior staff is taxed at special low rates instead of the PAYE bands.
- Rent tax calculator GhanaIf you let or lease a property, the rent you receive is taxed. The rate depends on whether the premises are residential or commercial.