Q: Why is the net pay of Ghanaian employees lower than their gross pay?

Your payslip lists your gross pay first, then shows deductions (like SSNIT pension, income tax, NHIS, loans). Those amounts are subtracted to get your net pay . That is why your net pay is lower than your gross pay.

Question 1

Why is the net pay of Ghanaian employees lower than their gross pay?

Accepted Answer

Your payslip lists your gross pay first, then shows deductions (like SSNIT pension, income tax, NHIS, loans). Those amounts are subtracted to get your net pay. That is why your net pay is lower than your gross pay.

Question 2

What is SSNIT, and why is it deducted?

Accepted Answer

SSNIT (Social Security and National Insurance Trust) is Ghana’s national pension fund. Each month, a portion of your salary (about 5.5%) is deducted as your contribution to the pension fund. This money goes into your retirement account, so you will have a pension when you retire.

Question 3

When are salaries paid every month?

Accepted Answer

Government employees receive salaries once each month. In many ministries, the payment is transferred to the accounts on 15th and in other ministries at the end of the month. Once payroll is completed, employees are notified on the GoGPayslip portal that their payslips are ready.

Question 4

How often do salaries increase in Ghana?

Accepted Answer

Salaries of Government Employees increase with annual budget plans, Union bargaining and promotions. In the Single Spine system, salary increases with promotion.

Question 5

What if my payslip seems wrong?

Accepted Answer

First, double check all entries on the EPayslip. If something looks incorrect, contact your HR or the GoGPayslip helpdesk. The portal’s transparency makes it easier to spot and fix payroll errors.

Minimum Wages

Salary and Wages System of Ghana – Minimum Wages 2025