Ghana VAT, NHIL & GETFund: A Simple Guide for Businesses

If you sell goods or services in Ghana, your invoices usually include several taxes. Understanding them helps you price correctly and stay compliant.

The main levies

• VAT (Value Added Tax) — 12.5% on most goods and services.
• NHIL (National Health Insurance Levy) — 2.5%.
• GETFund (Ghana Education Trust Fund) — 2.5%.
• Covid-19 Health Recovery Levy — 1%.

Inclusive vs exclusive pricing

Prices can be shown including tax (the customer pays one flat price) or excluding tax (tax is added at checkout). Your invoicing software should handle both correctly.

Why software helps

Calculating three or four taxes by hand for every sale is slow and error-prone. Good invoicing software applies the correct taxes automatically, per item or per sale, and prints a compliant receipt with the tax breakdown.

You & Me is built specifically for Ghana's tax system, with the levies configured and ready to use.