TaxLawGH by MSL Business School
This calculator is maintained as an interactive online resource. Use https://www.taxlawgh.com/ghana-tax-calculator for the current calculators and calculation workings.
MSL Business School Ghana tax calculation suite
Ghana tax calculator
Calculate PAYE and take-home pay, VAT and levies, withholding tax, SSNIT contributions, pension benefits, statutory penalties and capital allowance—with every important component shown instead of hidden behind one answer.
Preparing the MSL Business School calculators…
Current calculator01 of 08 · PAYE & salary
Ghana payroll calculation
PAYE and take-home pay
Build the result from salary, allowances, bonus, overtime, benefits in kind, statutory SSNIT, personal reliefs and other deductions. Use gross-to-net or solve backwards from a target take-home amount.
| Resident monthly band | Rate | Cumulative upper point |
|---|---|---|
| First GHS 490 | 0% | GHS 490 |
| Next GHS 110 | 5% | GHS 600 |
| Next GHS 130 | 10% | GHS 730 |
| Next GHS 3,166.67 | 17.5% | GHS 3,896.67 |
| Next GHS 16,000 | 25% | GHS 19,896.67 |
| Next GHS 30,520 | 30% | GHS 50,416.67 |
| Balance | 35% | No upper limit |
Technical guides: Ghana PAYE rates and rules · How PAYE is calculated · PAYE filing and payment
Ghana VAT calculation
VAT and statutory levies
Move in either direction between a taxable value and a tax-inclusive invoice. Add CST and Tourism Levy where the transaction legally attracts them.
Technical guides: Ghana VAT rates and rules · VAT invoices · Exempt, zero-rated and relief supplies
Ghana withholding calculation
Income-tax withholding and VAT withholding
Select the recipient and payment category, identify the invoice basis, and separate income-tax WHT from the distinct 7% VAT-withholding mechanism.
Review the complete domestic and treaty rate tables, final/non-final treatment and exclusions.
2026 social-security calculation
SSNIT and Tier 2 contributions
Calculate the employee deduction, employer contribution, SSNIT remittance and Tier 2 allocation from monthly basic salary using the official 2026 minimum and maximum insurable earnings.
Technical guide: Ghana pensions and retirement tax
Act 766 pension calculation
SSNIT old-age pension estimate
Estimate the Tier 1 monthly pension from the average of the member's best three annual salaries, contribution months and retirement age.
2026 Ghana tax calendar
Compliance deadline finder and annual calendar
Find one statutory date or build the complete 2026 tax calendar, including monthly obligations, annual filings, quarterly levies and company-year-end deadlines.
Technical guide: Ghana tax deadlines
Revenue Administration Act calculation
Late-payment interest and late-filing penalty
Calculate statutory late-payment interest with automatic historical Bank of Ghana rates and monthly compounding, or calculate the fixed-plus-daily late-filing penalty.
Technical guide: Ghana tax penalties and interest
Ghana capital allowance calculation
Capital allowance schedule
Use a quick pool calculation or build an advanced asset register with first-year prorating, individual vehicle restrictions, disposals, repairs and CSV import.
| Class or operation | Rate | Method |
|---|---|---|
| Class 1 — computers and data-handling equipment | 40% | Reducing balance |
| Class 2 — vehicles, plant and qualifying machinery | 30% | Reducing balance |
| Class 3 — office equipment, furniture and other assets | 20% | Reducing balance |
| Class 4 — buildings and permanent structures | 10% | Straight line |
| Class 5 — intangible assets | 1 ÷ useful life | Straight line |
| Petroleum and mineral operations | 20% | Specialised straight-line rules |
Technical guide: Ghana capital allowances
MSL Business School calculator suite at a glance
Employment and pensions
PAYE, SSNIT & pensionPayroll, contributions and retirement estimateTransaction taxes
VAT, CST & leviesCST first; VAT and levies on the CST-inclusive baseTax deducted at source
WHT & WHVATDomestic rates, GHS 2,000 test and invoice baseBusiness tax tools
Penalties & capital allowanceAuditable statutory computationsDedicated Ghana tax calculators
Open the exact calculator you need
Income Tax Act, 2015 (Act 896), as amended; the current individual bands enacted by Act 1111; and L.I. 2244.
Value Added Tax Act, 2025 (Act 1151), with the amended NHIL and GETFund levy legislation.
National Pensions Act, 2008 (Act 766), as amended, and the official 2026 SSNIT insurable-earnings notice.
Each base, rate and deduction remains visible. MSL Business School maintains the logic and supporting technical guides.
Frequently asked questions
Using the Ghana tax calculators
Does the calculator save my salary or transaction figures?
The page does not keep a calculation history in the browser. It sends the figures entered to the TaxLawGH calculation service to produce the displayed result. The public page does not establish whether the service retains operational records.
How does the calculator handle CST and VAT?
Where CST applies, the calculator applies CST first. It then calculates VAT, NHIL and GETFund Levy on the CST-inclusive figure. The result shows the original transaction value, CST-inclusive VAT base and each tax component separately.
Does the withholding calculator apply Ghana treaty rates?
No. It applies domestic rates. Treaty entitlement, beneficial ownership, permanent-establishment status and the approval procedure must be tested before a reduced treaty rate is used.
Why can PAYE differ from an employer's payroll result?
Differences can arise from cumulative year-to-date payroll, prior bonus use, relief approvals, benefit facts, pension coverage, arrears or corrections. Use the line-by-line result to identify the assumption that differs.
What SSNIT limits does the calculator use?
For 2026 it uses monthly minimum insurable earnings of GHS 587.80 and maximum insurable earnings of GHS 69,000.