Africa Take-Home Pay

Use this when someone gives a monthly basic salary in Ghana cedis and asks what they take home, how much PAYE or SSNIT comes off it, or what the job costs the employer. It works the tax out band by band; do not estimate it first. Do not use it for a business's tax, for a year-end return with reliefs, or for pay in another country.

Use this when someone gives a monthly gross salary in Kenya shillings and asks what they take home, how much PAYE, NSSF, SHIF or Housing Levy comes off it, or what the job costs the employer. It applies NSSF, SHIF and the Housing Levy before tax, as the law has required since December 2024, then the tax bands and personal relief; do not estimate it first. Do not use it for a business's tax, for rental or turnover tax, for pay in another country, or for someone not resident in Kenya.

Use this when someone gives a monthly salary in naira and asks what they take home, how much PAYE or pension comes off it, or what rent relief saves them, under the Nigeria Tax Act 2025 bands in force from January 2026. It works the tax out on the year, band by band, then gives the month; do not estimate it first. Do not use it for company tax, for tax before 2026, for VAT, or for pay in another country.

Use this when someone asks what the income tax bands, reliefs or payroll contributions are in Ghana, Kenya, Nigeria or South Africa, without a salary to work out. Do not use it to work out a figure: use the country's take_home tool, which does the arithmetic.

Use this when someone gives a monthly salary in rand and asks what they take home, how much PAYE or UIF comes off it, or how age or medical aid changes it, for the tax year from 1 March 2026. It works out the year's tax on twelve months of the salary, less the rebates and medical scheme credits; do not estimate it first. Do not use it for provisional tax on business income, for a year-end assessment, or for pay in another country.