How are SSNIT contributions calculated in Ghana?

SSNIT contributions total 18.5% of an employee's basic salary. The employee contributes 5.5% while the employer contributes 13.0%. Out of this total, 13.5% goes to SSNIT Tier 1 and 5.0% goes to a Tier 2 private pension scheme.

What is the minimum contribution period for SSNIT pension?

Under the National Pensions Act 2008 (Act 766), a member must make a minimum contribution period of 180 months (15 years) to qualify for an old-age pension upon reaching retirement age.

GhanaEducation.Org SSNIT Tools

SSNIT Contribution & Pension Calculator

Accurately calculate your monthly SSNIT Tier 1 & 2 deductions, employer contributions, and estimate your statutory retirement pension payout under Act 766.

Monthly SSNIT Deduction Calculator

Contribution Type	Monthly Deduction	Annual Total
Employee Deduction (5.5%)	GH₵ 0.00	GH₵ 0.00
Employer Contribution (13.0%)	GH₵ 0.00	GH₵ 0.00
Total Remittance (18.5%)	GH₵ 0.00	GH₵ 0.00

Tier 1 SSNIT Remittance (13.5%) GH₵ 0.00

Tier 2 Private Fund (5.0%) GH₵ 0.00

SSNIT Old Age Pension Benefit Calculator

Calculate your estimated monthly Tier-1 pension payout under Act 766 based on your Basic Salary.

Average Best 36 Months Basic Salary (GH₵):

Average Basic Salary of your highest-earning 3 years (excludes allowances and tax deductions).

Total Contribution Period (Months):

Minimum contribution period is 180 months (15 years).

Important: Basic Salary vs Gross Salary

SSNIT calculations in Ghana are strictly based on your Basic Salary. Allowances (such as transport, housing, or responsibility allowances) and income taxes (PAYE) are excluded when computing your SSNIT contributions and pension benefits.

SSNIT USSD Shortcode

Dial *711*9# on your mobile phone to check balances and review your statement summary instantly.

SSNIT Portal & App

Log into the official SSNIT Portal (ssnit.org.gh) or mobile application using your Ghana Card ID to download your full Statement of Account.

Frequently Asked Questions About SSNIT Pensions

What is the total SSNIT contribution rate?

The statutory total contribution rate is 18.5% of basic salary. The employer pays 13.0% and the employee contributes 5.5%.

How is Tier 1 split from Tier 2?

From the 18.5% total remittance, 13.5% goes to the SSNIT Tier 1 mandatory fund while 5.0% is allocated to a Tier 2 approved private occupational pension scheme.

Statutory Rates Summary

Employee Contribution: 5.5%
Employer Contribution: 13.0%
Total Statutory Rate: 18.5%
SSNIT Tier 1 Allocation: 13.5%
Tier 2 Scheme Allocation: 5.0%