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Country Hub · Ghana · 2026

Ghana

0–35% PAYE progressive · SSNIT employee 5.5% · VAT 15% standard · Accra financial hub · Large Ghanaian-British corridor

0% (first GHS 5,880/year); 5% → 10% → 17.5% → 25% → 30% → 35% (above GHS 605,000/year)
PAYE Income Tax
5.5% (Social Security and National Insurance Trust — pension)
SSNIT Employee Social
13% (employer contribution to SSNIT)
Employer SSNIT
Calculate Your Ghana Tax

Ghana Tax Facts

— 2026
PAYE Income Tax
0% (first GHS 5,880/year); 5% → 10% → 17.5% → 25% → 30% → 35% (above GHS 605,000/year)
SSNIT Employee Social
5.5% (Social Security and National Insurance Trust — pension)
Employer SSNIT
13% (employer contribution to SSNIT)
VAT
15% (standard) + NHIL 2.5% + GETFund 2.5% = effective 20% on goods/services
Tax Free Amount
GHS 490/month (~$39/month) — first income bracket is 0%
Tax Year
1 Jan – 31 Dec

Quick Country Comparison

— at GHS 120,000
Country Take-home Eff. Rate vs Ghana
Ghana
GHS 84,000 ~30% —
Nigeria
GHS 86,400 ~28% +GHS 2,400
Kenya
GHS 83,200 ~30.7% −GHS 800
South Africa
GHS 81,600 ~32% −GHS 2,400

Ghana: PAYE 0–35% + SSNIT 5.5%. Nigeria: 7–24% PAYE + 8% Pension. Kenya: 10–35% PAYE + NSSF. UK: income tax + NI (for Ghana-UK corridor perspective). GHS 120,000 ≈ $9,600. Illustrative — not tax advice.

Want your exact figures? Use the full Ghana calculator →
Comparison Guides

Comparison Guides

See how Ghana compares to Nigeria, the UK, and other West African economies.

Ghana vs Nigeria West Africa's two largest economies compared
Ghana vs UK Ghanaian-British corridor tax comparison
UK vs Ghana UK perspective on moving to Ghana
All Ghana comparisons → →
Salary Guides

Salary Guides

Ghana uses the Ghanaian Cedi (GHS). The GHS has experienced significant depreciation against the USD and GBP in recent years. PAYE (Pay As You Earn) is deducted at source by employers. SSNIT contributions of 5.5% fund the national pension system. Ghana has one of West Africa's most developed financial systems alongside Nigeria.

All salary guides → →
Moving from Ghana

Moving from Ghana

Ghana offers a Year of Return and Joseph Project history-based tourism to the diaspora, and the Ghana Card (non-citizen ID) for foreign nationals of Ghanaian heritage. Foreign investors can obtain Residence Permits via the Ghana Investment Promotion Centre (GIPC). Accra's Cantonments, East Legon, and Airport Residential Area have well-developed expat infrastructure. Large Ghanaian-British diaspora (~500,000 UK residents) makes the UK-Ghana corridor particularly active.

Destination deep-dives → →

Last Updated: August 2026 · Daniel · CountryTaxCalc