Ghana Social Insurance Calculator 2026
SSNIT 5.5% employee + 13% employer.
Ghana Tax System
The Social Security and National Insurance Trust (SSNIT) operates Ghana's mandatory pension scheme. Employees contribute 5.5% of gross salary to Tier 1 (Basic National Social Security Scheme), while employers contribute 13%. An additional 5% Tier 2 (Occupational Pension) is paid by the employee for a total employee pension contribution of 10.5%. The self-employed may contribute voluntarily.
2026 Rates: SSNIT Tier 1: 5.5% employee + 13% employer, Tier 2: 5% employee.
Ghana Social Insurance Calculator 2026
SSNIT 5.5% employee + 13% employer.
Ghana SSNIT: Employee 5.5% + Employer 13%. Total 18.5% of salary.
Annual SalaryGH₵60,000.00
Employee Contribution (5.5%)GH₵275.00per month
Employer Contribution (13%)GH₵650.00per month
Total Monthly ContributionGH₵925.0018.5% of salary