Enter your monthly gross salary to see your net take-home pay in Rwanda after PAYE income tax, the 6% RSSB pension and the 0.3% maternity contribution. The pension is deducted before PAYE, lowering your taxable income.
Estimates only — not tax advice. Results are computed from official 2026 tax rules; always verify important decisions with the relevant tax authority.
Step 1 — Enter your monthly gross salary in Rwandan francs.
Step 2 — Hit "Calculate Net Pay". The calculator deducts the 6% RSSB pension first (which reduces your taxable income), then the 0.3% maternity levy, then PAYE on the pension-adjusted amount.
Tip: the pension rate rose from 3% to 6% in January 2025 and climbs further from 2027 — if your payslip still shows 3%, it's outdated and this calculator is the accurate one.
| Monthly income (RWF) | PAYE rate |
|---|---|
| 0 – 60,000 | 0% |
| 60,001 – 100,000 | 10% |
| 100,001 – 200,000 | 20% |
| Above 200,000 | 30% |
RSSB pension reform (from 1 Jan 2025): 6% employee + 6% employer, rising 2 points/year from 2027. Plus 0.3% maternity levy on gross. Sources: Rwanda Revenue Authority (rra.gov.rw), RSSB (rssb.rw).
Example 1 — RWF 300,000/month: pension = 6% × 300,000 = RWF 18,000; maternity = 0.3% × 300,000 = RWF 900. Taxable = 282,000. PAYE = 24,000 + 30% × 82,000 = RWF 48,600. Take-home = 300,000 − 18,000 − 900 − 48,600 = RWF 232,500.
Example 2 — RWF 150,000/month: pension = RWF 9,000; maternity = RWF 450. Taxable = 141,000. PAYE = 4,000 + 20% × 41,000 = RWF 12,200. Take-home = 150,000 − 9,000 − 450 − 12,200 = RWF 128,350.
1. Using the old 3% pension rate. The RSSB reform raised the employee rate to 6% in January 2025 — and it rises 2 points yearly from 2027.
2. Forgetting the 0.3% maternity levy. Small, but it's a separate payslip line on top of pension.
3. Deducting maternity before PAYE. Only the pension contribution reduces taxable income; the maternity levy does not.
Rwanda stacks three deductions. First, RSSB pension: 6% of gross salary (employee share; the employer pays 6% too) — and this one does reduce your taxable income. It rose from 3% in the January 2025 reform and climbs 2 points a year from 2027. Second, maternity levy: 0.3% of gross — tiny, but it's a separate line and it does not reduce taxable income. Third, PAYE: four bands on (gross − pension): 0% to RWF 60,000, 10%, 20%, then 30% above RWF 200,000.
Budget note: the 2025 RSSB reform doesn't stop at 6%. From 2027 the pension rate rises 2 percentage points every year (split equally between you and your employer) until it reaches 12% — so a RWF 300,000 salary will eventually carry RWF 36,000 in pension deductions instead of today's 18,000. The maternity levy stays at 0.3%. If you're comparing a long-term job offer, run the numbers at the future rate too.
Figures compiled from: Rwanda Revenue Authority (RRA) · Rwanda Social Security Board (RSSB).
Last verified: 23 October 2026.
0% to RWF 60,000, 10%/20%, then 30% above RWF 200,000 — applied after the 6% pension deduction.
6% employee + 6% employer since January 2025, plus 0.3% maternity contribution.
📖 How income tax works in Rwanda — full guide
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