SSNIT pensions

1

Register your business with SSNIT and make sure each worker has a SSNIT number.

2

Take 5.5% of each worker's basic salary from their pay.

3

As the employer you add 13% of basic salary. Total: 18.5%.

4

Pay 13.5% to SSNIT (Tier 1 — 2.5% of this goes to NHIA) and 5% to the worker's Tier 2 scheme.

5

Pay and send the contribution report by the 14th of the next month.

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📌What you need to know

Contributions are on basic salary, not on allowances.
Late payment attracts a surcharge of 3% a month on the unpaid amount, compounding until paid.
The 5.5% you deduct belongs to the worker — keeping it is a serious offence.
Tier 2 goes to a privately managed occupational scheme chosen for your staff.

In Ghana: the numbersChecked 14 October 2026

Worker5.5% of basic salary

Employer13% of basic salary

Total18.5%

To SSNIT (Tier 1)13.5% (2.5% to NHIA)

To Tier 25%

Due14th of the next month

Calculating SSNIT on total pay including allowances.

Paying late and letting the 3% monthly surcharge pile up.

Sending all 18.5% to SSNIT and nothing to Tier 2.

💡

Tip. Pay SSNIT the same day you pay salaries, so you never miss the 14th.

Do it in DatanaDatana handles this part for you.

Sources · checked 14 October 2026