Ghana Tax Calculator (2026)
Income tax rates and take-home pay for Ghana
Ghana Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| First 5,880 | GHS 0 - GHS 5,880 | 0.0% |
| Next 1,320 | GHS 5,880 - GHS 7,200 | 5.0% |
| Next 1,560 | GHS 7,200 - GHS 8,760 | 10.0% |
| Next 38,000 | GHS 8,760 - GHS 46,760 | 17.5% |
| Next 192,000 | GHS 46,760 - GHS 238,760 | 25.0% |
| Next 366,240 | GHS 238,760 - GHS 605,000 | 30.0% |
| Exceeding 605,000 | GHS 605,000+ | 35.0% |
Social Security (Tier 1 & 2)
| Bracket | Income Range | Rate |
|---|---|---|
| Mandatory Employee Contribution | GHS 0+ | 5.5% |
Key Facts
Tax Year
2025
Currency
GHS
Top Rate
35.0%
Brackets
7 brackets
Tax-Free Threshold
GHS 5,880
Social Contributions
1 item
Assumptions
- · Tax-free threshold of GHS 5,880 is integrated into the first income tax bracket (0% rate).
- · Social Security contributions (5.5%) are deductible for income tax purposes.
- · Profile (single, no dependents, age 35) does not qualify for additional personal reliefs such as dependent spouse or age relief.
- · NHIL, GETFL, and COVID-19 health recovery levy are consumption-based taxes and excluded from this income tax calculator.
Frequently asked questions
How much income tax will I pay if I move to Ghana?
Ghana uses a progressive tax system with 7 income tax brackets ranging from 0% to 35%. The first GHS 5,880 of your annual income is tax-free, and rates gradually increase as your income rises, reaching 35% on income above GHS 605,000. Your actual tax bill depends on your total income and whether you qualify for additional personal reliefs like dependent spouse or age relief.
What is the Social Security contribution rate in Ghana?
Employees in Ghana contribute 5.5% of their gross income to Social Security (Tier 1 and Tier 2), which is a mandatory deduction. The good news is that this contribution is deductible for income tax purposes, meaning it reduces your taxable income before the income tax brackets are applied.
Do I need to pay any other taxes besides income tax in Ghana?
The income tax calculator covers personal income tax and Social Security contributions. However, Ghana also has consumption-based taxes including NHIL (National Health Insurance Levy), GETFL (Ghana Education Trust Fund Levy), and a COVID-19 health recovery levy, which are not included in this calculator as they apply at the point of purchase rather than on income.
How many income tax brackets does Ghana have?
Ghana has 7 income tax brackets for 2025, starting with a 0% rate on the first GHS 5,880 and progressively increasing to 5%, 10%, 17.5%, 25%, 30%, and finally 35% on income exceeding GHS 605,000. This progressive structure means you only pay higher rates on income that falls within each bracket.
Can I claim any tax relief or deductions in Ghana?
Your eligibility for personal reliefs in Ghana depends on your personal circumstances, such as whether you have a dependent spouse or qualify for age relief. The Social Security contribution you pay (5.5%) is automatically deducted from your gross income before calculating income tax, which effectively reduces your taxable income.
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