Back to home
Salary & tax

Understand your salary.

Verify PAYE, SSNIT, and take-home pay. See if your payslip matches what GRA expects.

Understand your salary.

What you get

PAYE explained

Pay As You Earn is income tax taken from your salary before you receive it. Bands depend on how much you earn.

SSNIT explained

Social Security deduction (5.5% from you) plus pension tier 2. Goes to your retirement account.

Net take-home

What actually hits your bank or MoMo after deductions. The number that matters for budgeting.

2026 GRA tables

Built on current Ghana Revenue Authority rates. Updated when GRA publishes changes.

Compare salaries

See how deductions change when gross pay goes up. Useful for job offers and negotiations.

Free web check

Five calculations per day on the website. Unlimited in the app.

Try it now (free)

Type your gross monthly salary. The calculator shows SSNIT, PAYE, and net pay using 2026 GRA tables. Five free runs per day on the web.

Check my pay

What PAYE and SSNIT mean

Gross salary is what your employer agrees to pay before deductions. SSNIT is your mandatory pension contribution (5.5% of gross, within the cap GRA sets). PAYE is income tax calculated on what is left after SSNIT, using progressive bands: lower income pays a lower rate, higher chunks pay more.

Net pay is what you receive. If HR uses wrong bands or forgets an allowance, you can be shortchanged every month without noticing.

How the calculator works

Enter gross monthly pay in cedis. CediWise runs the same steps GRA describes: deduct employee SSNIT, apply tier 2 pension, calculate PAYE on chargeable income, show net take-home. You get a line-by-line breakdown, not just a single number.

When to double-check your payslip

New job or raise. First payslip after a promotion. Employer uses an old tax table. You have allowances (transport, rent) that should reduce taxable income. Any time the net amount feels off compared to last month.

Official reference

For the published PAYE bands, see the GRA PAYE reference page. CediWise is not affiliated with GRA. Use the calculator as a guide and confirm with HR or a tax professional for complex cases.

Next steps