SSNIT at a glance (2026 (1 Jan – 31 Aug))
- Employee contribution
- 5.5% of basic salary
- Maximum insurable earnings
- GH₵69,000.00 a month
- Maximum employee contribution
- GH₵3,795.00 a month
How the employee deduction is calculated
SSNIT = 5.5% × basic salary. For example, on a basic salary of GH₵4,000.00 a month the deduction is GH₵220.00. Only basic salary counts — allowances and bonuses do not.
If your basic salary is above the maximum insurable earnings (GH₵69,000.00 a month), the deduction is capped at 5.5% of that ceiling.
SSNIT lowers your income tax
Your SSNIT contribution is deducted from your income before PAYE is calculated, so part of every cedi you contribute would otherwise have been taxed. The calculator above applies this automatically. See how PAYE is calculated.
The three-tier pension system
- Tier 1 — the basic national social security scheme managed by SSNIT.
- Tier 2 — a mandatory occupational scheme managed by private trustees.
- Tier 3 — voluntary personal or provident fund savings.
Your employer also contributes on top of your salary. That contribution does not come out of your pay, so it does not change your take-home pay and is not shown in the calculator.
Check your contributions
Your payslip should show the SSNIT amount deducted each month. You can confirm your contribution record with SSNIT directly. If the deduction on your payslip is very different from 5.5% of your basic salary, ask your payroll team why.