Free tool · Under a minute

Ghana Withholding Tax Finder

Find the withholding rate for a payment, whether it is final or creditable, and what you must give the payee — the detail most often missed.

Nothing you type here leaves your device

This tool runs entirely in your browser. Salaries, names, TINs and every other figure you enter are calculated on your own device and are never sent to us, never saved on our servers, and never stored by this site. Close the tab and they are gone. Downloads are built in your browser too, so they do not pass through us either.

Results are for guidance. Confirm against the current GRA and SSNIT rules, or ask us, before you file or pay on them.

Why “final” versus “creditable” matters A final tax settles the payee's liability on that income. A creditable one is an advance they set against their own assessment — and they need your withholding certificate to claim it. Failing to issue the certificate is the most common complaint against payers.

1What are you paying for?

2The invoice amount (optional)

Amount before withholding (GH¢)

Withholding

Check the specifics before you withhold Thresholds, exemptions, withholding-exempt status and double tax treaties all change the answer. These are the standard rates, not advice on your particular payment — and the rate on a non-resident payment in particular is often reduced by treaty.

Free · no obligation

More free tools

Payroll Ghana Payroll Calculator & Payslip Generator Work out SSNIT and PAYE on the GRA rates in force, for a whole payroll or a single person, and download payslips and a summary you can file. Open → Tax Ghana VAT & Levies Calculator Work out VAT, NHIL and GETFund on the 2026 regime — no COVID levy, no cascade, and a 20% effective rate. Most calculators still use the old 21.9% build-up. Open → Trade Import Duty & Landed Cost Estimator Build up the true landed cost of an import — duty, VAT and levies, and the charges that surprise first-time importers at the port. Open → Starting up Company Registration Readiness Check See what you already have, what is missing, and a realistic timeline to a registered and compliant Ghanaian company — including the steps most people forget after incorporation. Open → Land Land Title Verification Checklist Before you pay for land in Ghana, score what you actually know about it. Most losses trace back to two or three checks nobody made. Open → Strategy Business Health Check Ten questions across cash, compliance, customers and systems. An honest score, your weakest area, and what to fix first. Open → Trade Rules-of-Origin & Corridor Readiness Test Screen whether your exports can capture the AfCFTA tariff saving and settle in local currency through PAPSS — and get a plain answer if they cannot. Open → Retirement SSNIT Retirement & Pension Calculator Work out your SSNIT pension on the published formula, see what it replaces of your salary, and find the gap you would have to close yourself. Open → Strategy Business Valuation Estimator A defensible range for what your business is worth, on earnings and on assets — and an honest read on how much of that value walks out with you. Open → Self-assessment Amentem Frameworks^™ Score your institution across ten dimensions and get your priorities — free, for four kinds of organisation. Explore →