Tanzania NSSF Calculator
Work out your National Social Security Fund (NSSF) deductions and take-home pay in Tanzania. Enter your gross monthly salary to see the employee and employer contributions (10% each, 20% total) and your net pay after NSSF and PAYE.
How it works
NSSF is a mandatory pension scheme for private-sector employees. Each month 10% of your gross salary is deducted as the employee share and your employer contributes a matching 10% (20% total). Your employee NSSF is deducted before PAYE, so it reduces your taxable income.
NSSF = 10% (employee) + 10% (employer) = 20% of gross · PAYE on (gross − employee NSSF) · Net = gross − employee NSSF − PAYEWorked examples
A private-sector salary of 1,000,000 TZS
Juma, a private-sector employee in Mwanza on 1,000,000 TZS a month.
A 1,000,000 TZS gross salary deducts 100,000 TZS employee NSSF and the employer adds 100,000 TZS, giving about 797,000 TZS take-home after PAYE.
A salary of 400,000 TZS, in the second PAYE band
His colleague Rose, on a lower salary that falls in the second PAYE band.
A 400,000 TZS gross salary deducts 40,000 TZS employee NSSF and the employer adds 40,000 TZS, giving about 352,800 TZS take-home after PAYE.
What this assumes, and where it does not apply
What it assumes
- NSSF is 10% of gross salary from the employee and a matching 10% from the employer, out of a joint contribution of 20% that NSSF publishes on its own rates page.
- This is the 10%/10% arrangement. NSSF's published page also permits 15% employer / 5% employee, and an employer may remit the whole 20% without deducting anything from wages — under either of those, the employee's take-home is higher than this calculator shows.
- The employee contribution is deducted before PAYE is calculated, so it reduces the tax as well as the take-home pay.
Where the result does not apply
- Not the public-service scheme: PSSSF is 5% from the employee and 15% from the employer - use the PSSSF calculator.
- Does not cover the pension a member eventually receives, which depends on contributions and the rules in force at retirement.
- Other payroll deductions (HESLB, loans, advances) are not included.
Frequently asked questions
What is NSSF?
The National Social Security Fund is Tanzania's mandatory pension scheme for private-sector and informal employees.
How much is NSSF in Tanzania?
20% of gross monthly salary in total — 10% from the employee and 10% from the employer.
Does NSSF reduce my tax?
Yes. Your employee NSSF contribution is deducted from your salary before PAYE is calculated, lowering your taxable income.
Is there a salary cap for NSSF?
No — NSSF is calculated on your full gross salary with no ceiling (Tanzania).
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
Delta Tech Solutions prepared this page. No external tax, accounting or legal professional reviewed it — the figures were checked against the sources listed above, and you should confirm anything you rely on with the authority that sets it.
Maintained by David M at Delta Tech Solutions · Figures last checked 19 October 2026 · Next check due 19 April 2027
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