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SSNIT contribution calculator

Every month the employer deducts 5.5% of the worker's basic salary and adds 13%, for a total of 18.5%.

Of that total, 13.5% goes to SSNIT (Tier 1) and 5% to the Tier 2 scheme.

How it's calculated

Worker: 5.5% of basic salary.
Employer: 13% of basic salary.
Split of the total: 13.5% to SSNIT within 14 days of the following month, 5% to Tier 2.

An example

On a basic salary of GH₵5,000, the worker pays GH₵275 and the employer GH₵650. SSNIT gets GH₵675 and Tier 2 gets GH₵250.

Frequently asked questions

How much is SSNIT contribution?

18.5% of basic salary: 5.5% deducted from the worker and 13% added by the employer.

When must employers pay SSNIT?

Within 14 days of the following month, with a contribution report listing each worker's name, social security number and contribution.

Is SSNIT based on gross pay?

No. The rates apply to the basic salary, not to allowances.

Key terms

Tier 1: The basic national social security scheme managed by SSNIT.
Tier 2: The second tier of the pension system, which receives 5% of basic salary.

Up-to-date official data

Data checked against the official source on 18 October 2026.

We check the official sources automatically, every day.

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