VAT returns under the 2026 Act 1151. Payroll with today's PAYE & SSNIT. Withholding tax certificates. GRA E-VAT wired in and awaiting certification. Priced in cedis, billed by Mobile Money.
Global tools treat Ghana as an edge case, and spreadsheets have no idea Act 1151 happened. Klaro was built for exactly this moment.
From 2026, a valid VAT invoice must be cleared by GRA's VSDC and carry an IRN + QR. Klaro builds that into the issue flow rather than bolting it on — so the day our certification lands, clearance is a switch, not a project.
Act 1151 abolished the COVID levy, recoupled NHIL & GETFund, and moved to a flat 20% on net. Klaro's engine is effective-dated — 2025 and 2026 both compute correctly.
No approvals, no audit trail, no locked periods. Klaro enforces maker-checker and an immutable ledger in the database itself.
Issue an invoice and Klaro submits it to GRA's VSDC, takes back the IRN, SDC code and QR, and prints them on the document. Offline, it stamps and re-transmits within the 24-hour window. This runs in sandbox today; live transmission switches on with GRA certification.
2026 VAT returns straight from the ledger. Withholding tax both directions with certificates. Payroll with graduated PAYE, the SSNIT floor & ceiling, tiers, and non-resident flat 25%.
Consolidate a group with intercompany elimination — the thing QuickBooks and Xero can't do natively — with role-based approvals and a full audit trail. No per-company or per-seat licence.
From a single stall to a group of companies — if you invoice, pay staff, or answer to GRA, Klaro fits the way you already work.
Raise a compliant VAT invoice at the till and send the receipt by SMS before the customer leaves.
Every return ties back to the ledger, with withholding certificates and payslips generated for you.
Run a group with intercompany elimination and maker-checker approvals — no per-company licence.
A real Klaro invoice: per-line VAT treatment, the 2026 levies, and the E-VAT block where it belongs. The stamp shown is from our sandbox — it goes live with GRA certification.
Only the standard-rated line is taxed — consulting & transport zero-rated here. That per-line treatment is automatic.
See exactly how NHIL, GETFund and VAT stack under Act 1151 — the same math Klaro posts to your ledger.
Enter a monthly basic salary and see the Tier 1 and Tier 2 split — the same figures Klaro posts to the ledger when you run payroll.
SSNIT is worked out on basic salary, not gross pay — allowances are excluded. Insurable earnings are bounded both ways: a floor of GH₵ 587.79 and a ceiling of GH₵ 69,000 a month.
Indicative, on 2026 rates — 5.5% employee + 13% employer = 18.5%, split 13.5% to SSNIT (Tier 1) and 5% to your Tier 2 trustee. Tier 3 is voluntary and not shown here. Confirm against current SSNIT and NPRA guidance before running live payroll.
What actually lands in an employee's account after SSNIT and PAYE — on the 2026 graduated bands, the same ones Klaro runs payroll on.
Allowances are taxable but not pensionable — SSNIT is charged on basic only, while PAYE is charged on both. Assumes a resident employee with no Tier 3.
Indicative, on 2026 annual bands — first GH₵ 5,880 free, then 5%, 10%, 17.5%, 25%, 30% and 35% on the balance. PAYE is worked out on annualised pay and divided back over twelve months, which is why it won't always match a simple monthly-band calculation. Confirm against current GRA guidance before running live payroll.
A supplier invoice arrives — how much do you withhold, and what do you actually pay them? The same split Klaro posts, with the certificate generated for you.
Withholding is calculated on the VAT-exclusive amount — never on the VAT itself — but it comes out of the total you'd otherwise pay.
Indicative, on current GRA rates for payments to resident suppliers. Rent withholding is a final tax. Thresholds, exemptions and withholding-agent status can change what applies to you — confirm against current GRA guidance.
| Capability | Klaro Books | QuickBooks / Xero | Spreadsheets |
|---|---|---|---|
| GRA E-VAT integration (IRN/QR) | Built in · in certification | Needs middleware | No |
| 2026 VAT engine (Act 1151) | Native, dated | Workaround | Manual |
| Withholding tax + certificates | Both ways | Manual | Manual |
| Payroll — PAYE + SSNIT | Native | 3rd-party | Manual |
| Multi-entity + consolidation | Native | Add-ons | No |
| Billing in GHS + Mobile Money | Yes | Card only | — |
| Per-seat / per-company cost | None | ~$20–38/mo | Free |
Every plan includes the full Ghana tax stack and the E-VAT integration. Limits below are per plan.
Join as a founding business and lock in today's rate for life — it won't rise for you, even when prices do. Indicative plans from the live product; final public pricing confirmed at launch.
Klaro is complete and running today. Enter your email and you'll go straight to setting up your workspace — no waiting list, no callback.
The integration is built and running in sandbox: Klaro submits the invoice to GRA's E-VAT (VSDC) inside the issue flow and prints the returned IRN, SDC code and QR on the document. Live clearance is not switched on yet — that depends on GRA certification, which is in progress. Invoices you raise today are correct VAT invoices under Act 1151, and they carry a stamp marked as simulated until certification lands. We would rather tell you that now than have you find it out from your auditor.
Fully. The engine is effective-dated for VAT Act 1151 — COVID levy abolished, NHIL & GETFund recoupled and input-creditable, flat 20% on net. Pre-2026 documents still compute the old way.
18.5% of basic salary — 5.5% deducted from the employee, 13% paid by the employer. That total splits into Tier 1 (13.5%) to SSNIT and Tier 2 (5%) to a private trustee. Insurable earnings are bounded by a floor of GH₵ 587.79 and a ceiling of GH₵ 69,000 a month, and Tier 3 is voluntary on top. Try the SSNIT calculator above.
On annualised taxable pay, using graduated bands, then divided back over twelve months — which is why it doesn't always match a straight monthly-band sum. Taxable pay is gross less the employee's 5.5% SSNIT. The 2026 bands: first GH₵ 5,880 free, then 5%, 10%, 17.5%, 25%, 30%, and 35% on the balance. Work out any salary with the PAYE & take-home calculator above.
For resident suppliers: goods 3%, works 5%, services 7.5%, residential rent 8% and commercial rent 15%. The rate applies to the VAT-exclusive amount — never to the VAT itself — but it still comes out of the total you pay. You remit the withholding to GRA and issue the supplier a certificate they claim as a tax credit. Work out any invoice with the withholding tax calculator above.
Yes — unlimited companies on Growth and Enterprise, with true consolidation and intercompany elimination. Adding a company or a user costs nothing extra.
In Ghana cedis, by card or Mobile Money (MTN, Telecel, AirtelTigo) through Paystack.
Every workspace is isolated at the database level, the ledger is immutable with locked periods and a full audit trail, and we align to the Ghana Data Protection Act.
Klaro Books