Plain-English calculators for the numbers Zambian employers actually deal with — aligned to the 2026 ZRA tax bands. Free to use, no signup required.
PAYE is live now. The rest are landing soon as we ship them — one at a time, with the same care we put into PAYE.
Calculate Pay-As-You-Earn tax for any monthly salary. 2026 bands: 0% / 20% / 30% / 37%, with the K5,100 tax-free threshold built in.
Live ✓Employer + employee contributions at 5% each, with the current monthly ceiling automatically applied.
Coming soon1% of basic salary on the employee side, 1% matched by the employer — based on basic, not gross.
Coming soonSkills Development Levy at 0.5% of gross — employer-only, with notes on what counts as gross.
Coming soonWork backwards from a take-home figure to the gross salary needed — useful for offer letters and contract negotiations.
Coming soonEnd-of-contract gratuity for fixed-term contracts under the Employment Code — 25% of basic per year, prorated.
Coming soonAccrued leave converted to a Kwacha figure for terminations and final settlements — based on basic salary.
Coming soonMost online tax calculators were built once, for Kenya or South Africa, and "ported" to Zambia by changing a few numbers. Ours are built from the Zambian rules, by the same team that runs ZamPay payroll for Zambian employers every month.
Tax-free threshold K5,100 / month; 20% on the next K2,000; 30% on the next K2,100; 37% above K9,200. Same numbers used in every payroll we run.
NHIMA's 1% is calculated on basic salary — a detail several Zambian payroll tools still get wrong. Ours follows the rule.
The 5% NAPSA contribution is capped at the current monthly ceiling. Our calculators apply the cap automatically — you'll never over-deduct.
Every calculator is verified against payslips we've actually run for clients in Lusaka. If the numbers don't match a real payslip, we don't ship.
ZamPay runs every one of these calculations automatically, every month — across all your employees, with payslips, statutory returns, and a Leah AI assistant for compliance questions.