Payroll software in Ghana
Payroll software in Ghana
PayrollMaster Africa is payroll software for Ghanaian employers. It calculates PAYE and SSNIT contributions on every payslip, files monthly with the Ghana Revenue Authority, and pays staff in Ghanaian cedis. Ghanaian companies use it to run compliant payroll without tracking the SSNIT insurable-earnings ceiling that changes every January.
Compliance
What must a Ghanaian employer deduct from every payslip?
3 statutory items, collected by 3 different bodies. PayrollMaster calculates each one on the same payslip.
Ghanaian employers pay monthly. The three-tier pension system is mandatory: Tier 1 goes to SSNIT, Tier 2 goes to the employee's licensed private trustee, and both are capped at the SSNIT insurable-earnings ceiling, which SSNIT revises every January.
| Deduction | Authority | Paid by | Rate |
|---|---|---|---|
| PAYE Pay As You Earn | Ghana Revenue Authority (GRA) | Employee | Annual: nil on the first GHS 5,880; then 5%, 10%, 17.5%, 25%, 30% and 35% across successive bands up to GHS 605,000+ Source · in force from 2024-01-01 Commonly misreported. The top band boundary is stated as GHS 605,000 in the internally-consistent cumulative widths, but some GRA tables print "exceeding GHS 600,000". The difference affects only the highest earners. Verify the current GRA PAYE table before relying on the top bracket specifically. |
| SSNIT Tier 1 Social Security and National Insurance Trust — Tier 1 | Social Security and National Insurance Trust (SSNIT) | Employer + employee | 5.5% employee + 8% employer of basic salary, capped at the SSNIT insurable-earnings ceiling (GHS 69,000/month from 1 Jan 2026) Source · in force from 2026-01-01 Commonly misreported. The ceiling was GHS 61,000/month in 2025 and rose to GHS 69,000 in January 2026. SSNIT revises it annually — this is precisely the number you should not be maintaining by hand. |
| SSNIT Tier 2 Mandatory Occupational Pension Scheme — Tier 2 | Licensed private trustee (not SSNIT) | Employer | 5% of basic salary, employer-paid, capped at the same SSNIT insurable-earnings ceiling as Tier 1 Source · in force from 2026-01-01 |
Rates last reviewed 2026-07-14 against Ghana Revenue Authority and other official sources. Where a figure is widely misreported elsewhere, we say so above rather than leave you to find the contradiction yourself. Statutory rates change with every finance act — confirm current figures with a local practitioner before relying on them. PayrollMaster applies the current rates centrally, so your payroll run does not depend on this table being fresh.
What we solve
What PayrollMaster does for Ghanaian payroll teams
Compliance is table stakes. What makes Ghanaian teams switch is everything around it — the casual workers, the staff loans, the leave, and the questions that land on HR every payday.
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Multi-country payroll
One account, one process, and each market’s statutory rules kept current for you.
For Ghana, that means PAYE, SSNIT Tier 1, SSNIT Tier 2 applied on every payslip and filed with the GRA.
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Casual & gig workforce
Casuals paid correctly and compliantly, on the same run as everyone else.
Ghanaian casual workers are checked against local minimum-wage floors, with sub-monthly PAYE and any withholding tax handled automatically.
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Payroll for accounting firms
Every client’s payroll in one place, switchable in a click, visible at a glance.
Manage Ghana clients alongside the rest of your book, each on Ghana’s own statutory rules.
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Statutory compliance
When the law changes, you do nothing — your next run is already right.
In Ghana, PayrollMaster tracks PAYE, SSNIT Tier 1, SSNIT Tier 2 and the the GRA filing calendar for you.
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Staff loans & advances
Loans issued, deducted and tracked to zero without a side spreadsheet.
Deductions run on the Ghana payroll cycle and show on each employee’s Ghana payslip.
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Employee self-service
The payroll questions stop reaching your inbox.
Ghanaian employees see their statutory deductions itemised, on the phone they already own.
What we have
Everything in the Ghana payroll platform
Fifteen areas, one system, for Ghana. Not a feature list bolted on — the platform a payroll team actually runs on.
Payroll
Run a pay cycle end to end, at any size.
Payroll engine
A full pay run, calculated in one click.
Pay components
Any earning, deduction or contribution, your way.
Payslips
Payslips your way, delivered for you.
Approvals
One inbox for every sign-off.
Compliance
Statutory rules, returns and reports that hold up to an audit.
Statutory compliance
Statutory rules that update themselves.
In Ghana, PayrollMaster applies PAYE, SSNIT Tier 1, SSNIT Tier 2 and produces the returns the GRA expects.
Reports & analytics
The numbers your accountant asks for.
People
The whole employee record, leave and self-service.
Employee management
The whole employee record, in one place.
Leave & holidays
Leave balances that count themselves.
Employee self-service
The questions stop reaching your inbox.
Flexible workforce
Casual and gig payroll, loans and advances.
Casual & gig payroll
Casual and gig workers on the same platform.
Ghanaian casual workers are paid against local minimum-wage floors, with sub-monthly PAYE handled correctly.
Loans & advances
Staff loans that reconcile themselves.
Platform
Integrations, agencies, security and the things that scale.
Accounting integrations
Payroll lands in the system you already run.
Multi-company & agencies
Run payroll for every client from one account.
Security & access
The most sensitive data you hold, treated that way.
Platform
Localised, branded and built to grow into.
Pricing in Ghana
What does payroll software cost in Ghana?
PayrollMaster is priced per employee per month and billed in Ghanaian cedis (GHS). There is no setup fee, and statutory filing with Ghana Revenue Authority is included rather than charged per submission.
See all plansQuestions
Payroll in Ghana: common questions
Is PayrollMaster compliant with the Ghana Revenue Authority?
Yes. PayrollMaster calculates PAYE using GRA's current annual graduated bands on a cumulative-monthly basis, deducts the SSNIT Tier 1 employee contribution from chargeable income before applying the bands, and produces the monthly return the GRA expects.
How does PayrollMaster handle Ghana's three-tier pension system?
PayrollMaster deducts the Tier 1 employee contribution (5.5% of basic, capped at the SSNIT ceiling) and remits it with the employer share to SSNIT. The Tier 2 employer contribution (5% of basic, same ceiling) is routed to the employee's licensed private trustee. Both ceilings update automatically when SSNIT revises them each January.
How much does payroll software cost in Ghana?
PayrollMaster charges per employee per month, billed in Ghanaian cedis, with no setup fee. Statutory filing is included in the price rather than charged per submission, so payroll cost stays a predictable per-head figure as the team grows.
Can PayrollMaster pay Ghanaian employees in cedis?
Yes. PayrollMaster calculates net pay in Ghanaian cedis and records each employee's payment method — bank, mobile money, cash or cheque, with multiple accounts and salary splits — then tracks the status of every payment on the run. Payslips are generated and emailed in bulk, and no run is final without an authorised approval.
Run Ghanaian payroll without the spreadsheet
Start free and run one real Ghana month — the deductions, the payslips, and the filing that comes out of it. Compare it against whatever you use today before you switch anything.