How Much Will ₵10,000 Earn on Treasury Bills in Ghana?
At the Bank of Ghana auction issued 2026-07-20, ₵10,000 earns ₵144.22 over 91 days, or ₵1,295.98 if you lock it for 364. Every figure below is computed from this week's published rates — no tax is withheld for resident individuals.
91-day interest
at 5.78%
364-day interest
at 13.00%
Best this week
₵1,295.98 interest
Tax withheld
resident individuals
This is an educational calculator, not financial advice. Rates shown are the Bank of Ghana's published weekly auction results (source: bog.gov.gh) and change every week. The rate your bank executes may differ slightly, and banks may apply their own minimums or charges. Tax treatment shown reflects the statutory position for resident individuals — confirm your own situation with the GRA or your bank. Past rates do not predict future rates. accra.cool is not a licensed investment advisor and does not recommend any investment, tenor, or institution. Verify current rates at bog.gov.gh before investing.
₵10,000 at every tenor
| Tenor | Rate | Interest | At maturity | Real return |
|---|---|---|---|---|
| 91-daymatures 19 October 2026 | 5.7845% | ₵144.22 | ₵10,144.22 | +0.5pp |
| 182-daymatures 18 January 2027 | 7.6763% | ₵382.76 | ₵10,382.76 | +2.4pp |
| 364-daymatures 19 July 2027 | 12.9954% | ₵1,295.98 | ₵11,295.98 | +7.7pp |
The arithmetic, shown in full for the 91-day: ₵10,000 × 0.057845 × 91 ÷ 365 = ₵144.22. Ghana uses an actual/365 day count, which is why the 364-day earns 364/365 of its annual rate rather than the full year.
Roll it or lock it — in cedis
| Roll the 91-day four times | +5.89% | ₵589.46 |
| Lock the 364-day once | +12.96% | ₵1,295.98 |
A difference of ₵706.51 on ₵10,000 — but this assumes rates stay where they are, and they won't. It shows the tradeoff at today's curve, not a prediction, and it is not a recommendation of either.
The salary-saver tier
₵10,000 is the amount that tends to accumulate rather than arrive — the balance left after months of a working salary. To put it in that frame: median take-home on the salary benchmarks we track is around ₵3,945 a month after PAYE and SSNIT, so ₵10,000 is roughly 2.5 months of net pay set aside. The 91-day turns that into ₵144.22 every quarter without touching the capital. That is the honest scale of it: meaningful, not transformative, and materially better than leaving the same balance in a current account earning nothing. If you want to see what the salary side of that equation looks like, our take-home calculator does the tax arithmetic.
Check the salary side on the take-home calculator.
Common questions
- At this week's Bank of Ghana rates (auction 2026-07-20): ₵144.22 over 91 days at 5.78%, ₵382.76 over 182 days at 7.68%, ₵1,295.98 over 364 days at 13.00%. The largest return is the 364-day at ₵1,295.98, maturing at ₵11,295.98. Resident individuals pay no tax on treasury bill interest.
Have a question we should answer? Email hello@accra.cool.
This is an educational calculator, not financial advice. Rates shown are the Bank of Ghana's published weekly auction results (source: bog.gov.gh) and change every week. The rate your bank executes may differ slightly, and banks may apply their own minimums or charges. Tax treatment shown reflects the statutory position for resident individuals — confirm your own situation with the GRA or your bank. Past rates do not predict future rates. accra.cool is not a licensed investment advisor and does not recommend any investment, tenor, or institution. Verify current rates at bog.gov.gh before investing.
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