NAPSA Calculator Zambia 2026
Calculate employee and employer NAPSA contributions instantly
Calculate NAPSA Contributions
NAPSA Contribution Breakdown
Employee Contribution (5%)
ZMW 0.00
Employer Contribution (5%)
ZMW 0.00
Gross Salary
ZMW 0.00
Employee Contribution (5%)
ZMW 0.00
Employer Contribution (5%)
ZMW 0.00
Total NAPSA Contribution
ZMW 0.00
Note: Maximum insurable earnings: ZMW 42,000/month. Maximum monthly contribution: ZMW 2,100 (employee) + ZMW 2,100 (employer) = ZMW 4,200 total.
NAPSA Contribution Rates 2026
| Description | Rate | Maximum |
|---|---|---|
| Employee Contribution | 5% | ZMW 2,100/month |
| Employer Contribution | 5% | ZMW 2,100/month |
| Total Contribution | 10% | ZMW 4,200/month |
| Maximum Insurable Earnings | ZMW 42,000/month | |
How NAPSA Contributions Work
1
Employee Deduction
5% is deducted from the employee's gross salary (maximum ZMW 2,100/month)
2
Employer Contribution
The employer contributes an additional 5% (maximum ZMW 2,100/month)
3
Total Contribution
Combined total of 10% is remitted to NAPSA monthly
4
Tax Deductible
Employee NAPSA contributions are tax-deductible when calculating PAYE
Example Calculations
Example 1: Salary ZMW 5,000
Gross Salary:
ZMW 5,000.00
Employee (5%):
ZMW 250.00
Employer (5%):
ZMW 250.00
Total NAPSA:
ZMW 500.00
Example 2: Salary ZMW 50,000 (Above Maximum)
Gross Salary:
ZMW 50,000.00
Employee (5%, capped):
ZMW 2,100.00
Employer (5%, capped):
ZMW 2,100.00
Total NAPSA:
ZMW 4,200.00
Note: Maximum contribution applies even though salary exceeds ZMW 42,000
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