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Take-home pay calculator Ghana

Enter your basic salary and cash allowances to see what you take home after SSNIT and PAYE.

SSNIT is 5.5% of your basic salary and comes off before PAYE is worked out.

How it's calculated

SSNIT: 5.5% of your basic salary.
Chargeable income: basic salary plus cash allowances, minus SSNIT and your provident fund contribution up to 16.5% of basic salary.
PAYE: the yearly bands applied to 12 times your monthly chargeable income, divided by 12.

An example

On a basic salary of GH₵5,000, SSNIT is GH₵275 and PAYE is GH₵785.75, so you take home GH₵3,939.25.

Frequently asked questions

Are allowances taxed?

Yes. Cash allowances such as transport, rent, risk and night duty allowances are added to your salary for PAYE. Benefits in kind are valued and added too.

Does SSNIT reduce my tax?

Yes. Your 5.5% SSNIT contribution is deducted from your income before PAYE is calculated.

How much of my provident fund is tax-free?

Contributions to a provident fund are deductible up to 16.5% of your basic salary, whether you, your employer or both pay them.

Key terms

SSNIT: Social Security and National Insurance Trust, which runs the basic national pension.
Tier 3: Voluntary provident fund or personal pension savings on top of SSNIT and Tier 2.

The same calculation in other countries

Up-to-date official data

Data checked against the official source on 18 October 2026.

We check the official sources automatically, every day.

See all sources

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