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Compare two job offers in Rwanda after PAYE and RSSB

A higher gross salary isn't always the better offer. This tool shows what each offer leaves you after PAYE, RSSB, CBHI and your commute.

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First offer

Housing, transport or airtime paid in cash. Leave empty if none.

There and back.

Lunch, parking, childcare, uniform.

Second offer

Housing, transport or airtime paid in cash. Leave empty if none.

There and back.

Lunch, parking, childcare, uniform.

Type a gross salary for both offers to see which one leaves you more money.

Estimate, not tax or legal advice. Reviewed on 2 November 2026. Sources: RRA: PAYE rates, RRA: pension contribution, 6% and 6%, RRA: maternity contribution, 0.3% and 0.3%, Presidential Order 086/01: pension rates to 2030, Prime Minister's Order 001/03 of 2026: CBHI, 0.5% of net salary.

Say one offer pays RWF 450,000 gross and another pays RWF 400,000. After deductions, the 50,000 gap shrinks to about 31,691: 321,037 against 289,346. If the bigger salary also costs you RWF 1,000 more a day in transport over 22 working days, that's 22,000 gone, and the real difference is only about 9,691 a month.

How the comparison works

Type each offer's salary and any regular cash allowance, then the daily cost of getting to work and how many days you'd go. The tool treats cash allowances as taxable pay. That's how the law treats housing, transport and cost of living allowances in Rwanda. An expense paid back wholly for the employer's business is different, and isn't taxed, so don't count it as pay.

What the numbers can't show

  • RAMA or not. It costs you 7.5% of basic pay, but RSSB then pays 85% of the bill for treatment and prescribed drugs. CBHI cover is different, so ask what you'd actually have.
  • Who pays for what. Ask how the offer treats your own 6% of pension, and what happens to your pay when the total rate rises in January 2027.
  • Basic pay against allowances. Meal and communication allowances aren't charged for pension, so they do nothing for your retirement record.
  • How the contract is built: its length, probation of up to 3 months, and notice of at least 15 or 30 days.
  • How you're paid. The law allows daily, weekly, fortnightly or monthly pay depending on how you were hired.

Questions people ask

Should I count housing and transport allowances in the comparison?

Yes, if they're paid in cash each month. They're taxed in Rwanda the same way as salary, so add them to the allowances box. Housing given in kind is valued differently, at 20% of your employment income.

One offer has a bonus. How do I compare it?

Compare the fixed pay first, and treat a bonus as extra only if the contract promises it. A bonus is taxable when it's paid.

Is it better to take a job with RAMA?

For many families it's worth a lot, because RSSB pays 85% of the medical bill. Weigh that against 7.5% of your basic pay coming off each month. An employer needs at least seven staff to enrol.

Sources

Checked 2 November 2026.

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