2 wage benchmarks with cited sources, updated regularly.
Your gross salary in Ghana is not your take-home pay. SSNIT (5.5%) and PAYE income tax come off first. The national daily minimum wage is GH¢18.15 as of 2026. This page explains the minimum wage, SSNIT and the PAYE tax bands, and links to a free calculator that shows your real net salary. Confirm current figures with the Ghana Revenue Authority.
Sources: Fair Wages, GRA, SSNIT. Published by websitesgh.com.
The national daily minimum wage is GH¢18.15 as of January 2026, set by the Fair Wages and Salaries Commission. Over a 26-day month that is roughly GH¢472, which sits within the tax-free band, so a minimum-wage worker pays no income tax, though SSNIT still applies.
| Deduction | Rate | What it is |
|---|---|---|
| SSNIT (Tier 1) | 5.5% of basic (employee) | Your pension. Employer adds 13%, for 18.5% total. |
| PAYE income tax | 0% to 35% (progressive) | Charged on income after SSNIT, across graduated bands. |
SSNIT is deducted first, then PAYE on what remains. Work out your figures with the PAYE and net salary calculator.
| Annual chargeable income (GHS) | Rate |
|---|---|
| First 5,880 | 0% |
| Next 1,320 | 5% |
| Next 1,560 | 10% |
| Next 38,000 | 17.5% |
| Next 192,000 | 25% |
| Above about 605,000 | 30% to 35% |
Source: GRA PAYE bands (2026 payroll references). Bands change with the Finance Act; confirm on gra.gov.gh. The first GH¢5,880 a year is tax-free.
Subtract SSNIT (5.5% of basic) from gross, then apply the progressive PAYE bands to what remains. Our calculator does it for you.
GH¢18.15 per day, set by the Fair Wages and Salaries Commission.
The employee pays 5.5% of basic and the employer 13%, for 18.5% total.
The first GH¢5,880 of annual income (about GH¢490 a month) is taxed at 0%.
Explore: PAYE calculator · Inflation · Bank rates · Ghana Data Hub.
