Free tool

Zambia PAYE, NAPSA & NHIMA calculator

Enter a monthly salary to see PAYE, NAPSA and NHIMA deductions and take-home pay. Uses the national rule set effective from 2026-01-01 (tax year 2026).

Basic monthly salary (ZMW)

Taxable allowances, e.g. housing, transport (ZMW)

Non-taxable allowances (ZMW)

Gross pay: ZMW 10,000.00
Taxable pay: ZMW 10,000.00
PAYE (ZRA): ZMW -1,326.00
NAPSA (employee): ZMW -500.00
NHIMA (employee): ZMW -100.00
Net take-home pay: ZMW 8,074.00

Estimate for guidance only. Your employer's payroll, other deductions and specific allowance rules may change the result.

Doing this by hand every month?

UmuntuPayroll runs this calculation for your whole team, issues branded payslips, prepares PAYE, NAPSA and NHIMA schedules and produces your bank instruction letter.

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