This page documents the calculator assumptions, source notes, and items that should be rechecked before heavy public promotion.
PAYE & SSNIT
Uses GRA monthly resident PAYE bands displayed on the GRA PAYE page, with SSNIT 5.5% deduction noted by GRA. SSNIT contribution distribution uses worker 5.5%, employer 13%, total 18.5%, with 13.5% remitted to SSNIT and 5% to Tier 2, based on SSNIT notes.
VAT/NHIL/GETFund
Uses VAT 15%, NHIL 2.5%, and GETFund 2.5% charged on the same base after reforms. The calculator is for standard-rate planning only.
E-Levy and MoMo
E-Levy is not included because MTN support states the 1% E-Levy no longer applies from 2 April 2025. MTN cash-out bands are included from MTN support. The proposed wallet-to-bank 0.75% fee is not treated as active because Bank of Ghana directed suspension pending consultation.
Editable estimates
Fuel, building materials, fumigation, cleaning and local-service estimates rely on user-entered or editable local prices because they vary by supplier, city, season, distance and job condition.