How much will ₵10,000 earn in 91 days?

₵144.22 in interest, maturing at ₵10,144.22. The arithmetic is 10,000 × 0.057845 × 91/365 — Ghana uses an actual/365 day count. Resident individuals pay no tax on this interest.

When does a 91-day bill bought this week mature?

A bill issued at the 2026-07-20 auction matures on 19 October 2026 — 91 days later. That is the date your principal, and your interest, become available.

Can I just keep rolling the 91-day?

Yes — a standing rollover instruction reinvests principal and interest at each maturity automatically, and many holders do exactly that. The thing to be clear about is that rolling does not lock in today's rate. Each cycle re-prices at whatever that week's auction clears at, so four rolls at today's 5.7845% would compound to roughly 5.89% only if the rate held all year, which it will not. Rolling is a bet that short rates hold up or rise; locking is a bet they fall.

Treasury bills · 91-dayas of 20 Jul 2026 · 12:00 GMT

What Is the 91-Day Treasury Bill Rate in Ghana Today?

5.7845% at the Bank of Ghana auction issued 2026-07-20, down 0.08 points on the week before. A bill bought at this auction matures on 19 October 2026. This is the parking instrument — here is what it pays, what it has paid, and how it compares with the other two tenors.

91-day rate

5.78%

auction 2026-07-20

vs last week

-0.08pp

week-on-week

Real return

+0.5pp

after 5.3% inflation

Matures

19 October

91 days from issue

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.

The 91-day: the parking instrument

The 91-day is where money waits. It is the shortest of the three tenors and the one people use for cash that has a job coming — school fees next term, a supplier payment, a deposit — money that must not be locked away but should not sit idle either. At 5.7845% it is doing that job at the thinnest margin of the three. Measured against inflation of 5.3%, the real return is about 0.5 percentage points: you are preserving purchasing power and very little more. That is not a criticism of the instrument, it is what short money is worth. The compensation for liquidity is that you get the money back in three months and can decide again, which matters if you think rates are about to turn. The cost is visible the moment you compare it with the far end of the curve: rolling this bill four times at today's rate compounds to about 5.89% over a year, against 12.96% for a single 364-day. Seven points is a large price to pay for optionality, and whether it is worth paying depends on something nobody knows, which is where rates go next.

What the 91-day has paid

91-day

38 auctions

35.57% → 5.78%

-29.78pp

Bank of Ghana auction results, real published rows only — no interpolated points. The path down was not smooth: the 91-day peaked near 35.7% in February 2023, fell sharply once the domestic debt exchange completed, drifted back up through the second half of 2024, then dropped through two steep falls in early 2025 and early 2026 as inflation collapsed. May 2026 is absent because those auction notices were not retrievable — we leave the gap rather than fill it.

Calculate a 91-day return

Locked to this tenor at the current auction rate. Enter your amount.

Amount (₵)TenorCustom rate (%)

TaxApply 8% WHT

Auto-filled from the Bank of Ghana auction. Resident individuals are exempt on government securities; tick the box to see the net if withholding applies to you.

Value at maturity (91 days)

₵10,144.22

Interest earned ₵144.22

Effective annual 5.78%Real return +0.48pp

You invest	₵10,000.00
Rate × 91/365	5.7845%
Gross interest	₵144.22
At maturity	₵10,144.22

Real return is the annualised rate less inflation of 5.3% (our price data).

Assumes the published Bank of Ghana auction rate; your bank's executed rate may differ slightly. Ghana uses an actual/365 day count, so a 364-day bill earns 364/365 of the annual rate.

All three tenors this week

Tenor	Interest rate	Real return	₵10,000 earns
91-day· this page	5.7845%	+0.5pp	₵144.22
182-day	7.6763%	+2.4pp	₵382.76
364-day	12.9954%	+7.7pp	₵1,295.98

Common questions

5.7845% — the interest rate at the Bank of Ghana auction issued 2026-07-20. The discount rate on the same bill is 5.7020%. Rates are set weekly, so this changes every Monday.

Have a question we should answer? Email hello@accra.cool.

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91-day rate 182-day rate 364-day rate

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