Take-home pay calculator for The Gambia

Enter your basic salary and allowances to see what reaches your bank account after PAYE and your pension contribution.

In the National Provident Fund you pay 5% of your basic salary. In the Federated Pension Scheme your employer pays the whole contribution, so nothing comes off your pay.

How it's calculated

Gross pay: basic salary plus allowances.
PAYE: the GRA bands applied to 12 times your gross monthly pay, divided by 12. The first D 36,000 a year is tax-free.
NPF: 5% of your basic salary only, deducted by your employer.
Take-home pay: gross pay minus PAYE and your NPF contribution.

An example

On a basic salary of D20,000 in the NPF, PAYE is D3,833.33 and your NPF contribution is D1,000, so you take home D15,166.67 a month.

Frequently asked questions

Does my NPF contribution reduce my PAYE?

No. The GRA says no deductions are allowed for PAYE, so tax is worked out on your full employment income.

Are allowances taxed?

Yes. The GRA counts allowances, bonuses, overtime and commissions as employment income. The NPF contribution, though, is worked out on basic salary.

How much does my employer add to my pension?

In the NPF your employer adds 10% of your basic salary on top of your 5%. In the Federated Pension Scheme the employer pays 15% of gross salary on its own.

Key terms

NPF: National Provident Fund, the savings scheme run by the SSHFC for most private sector workers.
SSHFC: Social Security and Housing Finance Corporation, which runs the NPF, the Federated Pension Scheme and the injuries fund.