Ghana Income Tax Calculator
Calculate Ghana PAYE income tax with progressive rates 0%-30%, tax-free threshold GHS 5,880/year, SSNIT contribution (5.5%), and cumulative overtime taxation under GRA system.
Enter amounts in Ghana Cedis
Annual gross income before deductions
5.5% of basic salary (typically 70% of gross)
Typically 70-80% of gross salary
Taxed at flat 5% rate
Ghana Income Tax Calculator
Enter your gross income and tax details to calculate your net salary.
Understanding Ghanaian PAYE Tax
Progressive Tax
GRA uses tax bands from 0% to 35% based on your chargeable income level.
Tax-Free Threshold
First GHS 5,880 annually is tax-free for all employees.
SSNIT Pension
5.5% employee contribution is tax-deductible.
2025 GRA PAYE Tax Bands
Annual rates applied to chargeable income.
Deductions & Contributions
Mandatory and optional deductions.
- 5.5%SSNIT (Employee)5.5% of basic salary, tax-deductible
- 13%SSNIT (Employer)13% employer contribution
- 5%Overtime/Bonus TaxFlat 5% on overtime income
Frequently Asked Questions
What is the tax-free threshold in Ghana?
The first GHS 5,880 of annual income (GHS 490 monthly) is tax-free for all employees in Ghana.
How is SSNIT calculated?
SSNIT is 5.5% of your basic salary (typically 70% of gross). Employers contribute an additional 13%. The employee portion is tax-deductible.
How is overtime taxed?
Overtime and bonus payments are taxed at a flat rate of 5%, separate from regular income tax bands.
When is PAYE due?
Employers must file and pay PAYE to GRA by the 15th of the following month. Late payment attracts penalties.