Payday comes, and the money in your account is less than your salary. The gap is PAYE and your SSNIT contribution. Knowing how they work helps you plan the month before the money arrives.
Start with your basic salary. Your SSNIT worker contribution is a share of the basic salary. It is taken out first, before PAYE is worked out. PAYE is then charged on what is left, plus any taxable allowances, in steps. Each step has its own rate, so the first part of your pay is taxed less than the last part. What remains is your take-home pay.
The GRA publishes the PAYE steps and SSNIT publishes the contribution rate. They can change, so check the pages below for the current figures:
We made a free calculator. Type your basic salary, any taxable allowances and the day of the month you are paid. It shows PAYE, SSNIT, your take-home pay and the days left to payday. It also gives you a card to send to a colleague on WhatsApp. The numbers stay on your phone. Nothing you type is saved or sent.
Open the take-home pay calculator
No. The numbers stay on your phone. Nothing you type is saved or sent.
The PAYE steps from the GRA page and the SSNIT worker rate from the SSNIT page, both linked above. The calculator page shows the year of the rates.
It is a guide. Your employer may have other deductions or allowances, so your payslip can differ.
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