2026 Tax & NIS Guide

PAYE (Pay As You Earn) is income tax your employer takes from each pay and sends to the GRA. For each pay period, GYCalc works it out like this:

1. Add up your gross pay: basic pay, allowances, overtime and second-job income.
2. Work out NIS: 5.6% of gross pay, up to the earnings ceiling.
3. Take out non-taxable allowances and the tax-free part of overtime and second-job income. What is left is your balance of income.
4. Take off the personal allowance: the fixed amount for your pay period, or a third of your balance of income if that is more.
5. Also take off NIS, any child allowances and the insurance deduction. The rest is chargeable income (never below zero).
6. Charge 25% on chargeable income up to the band limit and 35% on anything above it.
7. Your take-home pay is gross pay minus NIS, PAYE, insurance and any loan or credit-union deductions.

On monthly pay, a third is the larger amount once your balance of income is above GY$420,000. Below that, the fixed figure applies. The fixed figure for each pay period is in the PAYE table above.

GRA's 2026 notice puts it this way: "GY$140,000, or one-third of Balance of Income after allowing for Second Job and Overtime statutory allowance, whichever is greater." GYCalc follows GRA's payroll reading: the third is taken of your pay less non-taxable allowances and the tax-free overtime and second-job amounts.

The law is worded differently. Section 20(1)(a) of the Income Tax Act (as replaced by the Income Tax (Amendment) Act No. 2 of 2025, and changed by the Fiscal Enactments (Amendment) Act 2026, Act No. 3 of 2026, which GRA calls the Income Tax (Amendment) Act), sets the fixed amount at GY$1,680,000 a year (GY$140,000 × 12) and keeps "one third of an individual's total income from all sources excluding income subject to withholding taxes under section 39(1)". It does not mention taking overtime or second-job amounts off first. The 2026 Act changed only the fixed amount.

So GRA's payroll reading and the statute's wording differ. It only matters when you have tax-free overtime or second-job pay and your pay is near or above GY$420,000 a month; GRA's reading then gives more tax. Needs verification: Official evidence is missing or contradictory.

NIS comes off before PAYE is worked out, so it also lowers your tax. This covers the employee's share only.

NIS publishes the monthly and weekly ceilings, and GRA's 2026 notice gives the yearly one. GRA caps the fortnightly contribution at 7,237 and labels a worked-example column with the ceiling behind it, without stating it as a rule; neither states a daily ceiling. So GYCalc derives the fortnightly ceiling from that worked example and the daily one from the yearly ceiling divided by 365, and labels any result that depends on them as derived.

What counts for NIS

NIS is charged on gross earnings received in cash. The NIS Collection of Contributions Regulations (regulation 17(2)) say this includes:

• overtime payments
• cost-of-living bonus
• family allowances
• commission or profits on sales
• payments for night or shift work
• holiday pay, and amounts set aside through the year to be paid out periodically

The word "including" means this list is not complete. The same regulation says Christmas bonuses, annual production bonuses, severance payments and terminal gratuities are not counted. It has no tax-style exemption for overtime, so GYCalc charges NIS on all overtime (a reading of the text, not an NIS statement) Derived: Calculated from authoritative published values..

Source: NIS Collection of Contributions Regulations, regulation 17(2), in the L.R.O. 1/2012 revision that NIS publishes. Later amendments were not ruled out.

GRA's list of taxable and non-taxable allowances decides. For many items it depends on what the allowance is for and how it is used, so an employer calling an allowance "non-taxable" isn't enough on its own.

Taxed: basic pay; duty, acting, risk and responsibility allowances; qualification allowances; overtime or second-job income above the tax-free amounts; transport from home to work; and the part of a housing allowance above the allowable portion (GRA doesn't say how much that is). GRA adds that allowances and benefits that are often disguised pay are taxable.

Tax-free only if used for its purpose (Income Tax Act s.5(b)(ii)): travelling for business, subsistence, entertainment, telephone, security, meal, station (interior, river or North West) and expense allowances. You must be able to show GRA it was spent that way, for example with receipts or vouchers. If it wasn't, or it was for personal use, it is taxed.

Uniform: GRA's list says a clothing allowance is "NOT considered taxable if wearing the item is a condition of employment, and it is not worn for general use". Both conditions apply.

Motor car travelling: GRA's list shows a "Motor Car Travelling Allowance" (for travelling extensively by motor car on official duties) among the taxable allowances, while a travelling allowance proved to be spent for business purposes is exempt. GRA doesn't reconcile the two. If you get a fixed car allowance with no receipts, ask GRA which applies.

GYCalc can't check how an allowance is used, so it uses the split you enter. Your payslip or employer tells you which of your allowances are non-taxable, and the tax-free part of overtime and second-job income is taken off as well.

Lower your tax: the personal allowance, NIS, child allowances and the insurance deduction come off before tax is charged. Loan and credit-union deductions come out of your take-home pay but do not lower your tax.

Each has its own limit; anything above it is taxed as normal pay.

Who can claim (GRA): one person per child. A "person" includes a mother, father, stepmother or stepfather, adoptive parent, guardian, or anyone who has treated the child as a child of the family. "Child" includes a step-child, an adopted child and a child of the family. The Income Tax Act (section 20(2), in Act No. 2 of 2025) adds that if more than one person is entitled, they choose one of them. You claim on GRA's "Claim for Deduction in Respect of Child Form" (the 2026 notice calls it the "Child Deduction Claim Form"); your employer can't give the deduction without it.

Not settled, so both versions are recorded:

• Weekly, fortnightly and daily pay. GRA says the allowance is "apportioned according to the individual's earning period", but its FAQ says the Act apportions it monthly. GRA publishes no weekly, fortnightly or daily amount, so those figures in the table are GYCalc's, worked out from the yearly amount; they are not GRA's.
• A child turning 18. The Income Tax Act (section 20(1)(b), in Act No. 2 of 2025) tests the child's age at the start of the year, so a child under 18 on 1 January counts for that year. GRA's FAQ says to pro-rate "up to the month" the child turns 18. GYCalc applies neither: you enter the number of children.
• Living in Guyana. GRA's FAQ says the child must be living in Guyana. We did not find that condition in the Act's wording.

The amounts are verified. They come from the agreement between the Government of Guyana and the Guyana Public Service Union (government statement, 10 December 2024): from 1 January 2025, ACCA GY$15,000, Master's GY$22,000 and Doctoral GY$32,000 a month, for people who studied in an area relevant to their official duties.

The statement does not say how PAYE or NIS treat the allowance, whether staff of statutory bodies and subvented agencies get it, or whether it continues in 2026 (the agreement covers 2024 and 2025). GYCalc taxes it and charges NIS on it as regular pay, for anyone who picks a qualification. Assumption: A necessary modelling assumption because the source doesn't specify the treatment. Check your appointment letter or payslip for the allowance you actually receive.

The amount that counts is the smallest of: the premiums you actually pay, 10% of your gross salary, or the cap for your pay period. Medical and life insurance premiums both count.

GRA publishes the cap monthly and yearly, and those two are verified. The weekly, fortnightly and daily caps are derived: the yearly cap divided by the periods in a year. GRA's 2026 notice says "gross salary"; its allowances page says "gross income".

How you claim it. GRA's 2026 notice says employees with private medical and life insurance get a statement from the insurer and send it in with their annual return. GYCalc takes the premium off in the monthly tax, so its take-home pay can be higher than your payslip's if your employer doesn't.

Assuria Medical Insurance Plan premiums

The Pay & Taxes calculator can fill in the plan premium for you. These are the monthly premiums in force from 16 Sept 2026:

This is Income Tax Act s.5(b)(iiA), explained in GRA's vacation allowance policy. Since 1 January 2018 it covers private-sector as well as public-sector employees, and private-sector employees don't have to submit proof. Anything above one month's gross salary is added to your salary and taxed.

GRA does not say what "gross salary" includes (basic pay only, or also regular allowances), or over which pay periods the taxed excess is spread. NIS regulation 17(2) lists "holiday pay" as earnings but doesn't say whether a vacation allowance counts. GYCalc counts one month of basic pay plus regular allowances, without overtime or second-job pay; adds the excess to the pay period it is paid in; and charges no NIS on it. All three are assumptions. Assumption: A necessary modelling assumption because the source doesn't specify the treatment.

Government and public-service contracts follow a standard contract: gratuity of 22.5% of basic salary, calculated on completed 3-month periods of resident service and paid at 6-month intervals (the employee may choose to be paid every 6 months), subject to satisfactory performance. That is Public Service Ministry Circular 3/2009, with the same rate in the earlier Circulars 20/2000 and 2/2001 and in rule A8 of the Public Service Rules (1987 reprint). The Rules and the 2000 template count approved leave as service in a final lump sum (not vacation leave when paid every 6 months); the 2009 template says accrued leave does not count. The 2009 text is later, and GYCalc does not adjust for leave. GYCalc applies the rate to basic salary only, because the circular says "basic salary"; allowances are not in the base. That reading, and counting only completed 3-month periods, is derived from the wording, not confirmed by the Ministry.

No official rate was found for private-sector gratuity, or for statutory bodies and state-owned companies, whose rate may differ from the Government template (needs verification). For those, 22.5% is only a starting value: change it to the rate in your contract, and say when the contract started and how often it pays. Payouts come at the end of each cycle counted from that month.

Whether PAYE is taken depends on who the contract is with. GRA lists "gratuities paid in lieu of pensions to Government employees in respect of contracts of employment or service" as not taxed (GRA cites Income Tax Act s.13(z); the section is not yet confirmed against the Act text), and says private-sector gratuity is taxed. GYCalc taxes it with the pay of the pay period it is paid in, an assumption until GRA confirms the method, and takes no NIS from it. The NIS regulations leave out "terminal gratuities"; whether a gratuity paid while your contract continues counts is unconfirmed.

Import taxes are worked out on the vehicle's CIF value: the price you paid (FOB) plus shipping and insurance to Guyana. Prices in US dollars are converted at an exchange rate. GYCalc uses GRA's customs rate, GY$208.50 per US$1, which is the rate customs uses; you can try another.

The tax depends on the vehicle's age (under 4 years, or 4 years and older), its engine size and its fuel. New hybrids (petrol, diesel and plug-in alike) up to 2,000cc pay duty only: no excise and no VAT, from GRA's 2026 table. Between 2,000cc and 2,500cc, GRA's table charges excise, but the hybrid wording in the Excise Tax Regulations can be read to keep the exemption Needs verification: Official evidence is missing or contradictory.An official-source conflict for new hybrids of 2,001-2,500cc. GRA's ASYCUDA table (PDF last modified 25 May 2026) lists "Other - Hybrid" at 45% duty, 110% excise and 14% VAT, the same on all four hybrid lines (8703.40.00.49, 8703.50.00.39, 8703.60.00.49, 8703.70.00.39). Excise Tax Regulations Table A-15 (revised 2025-03-10) says the exemption "does not apply to hybrid vehicles (a) exceeding four years old from the date of manufacture to the date of importation; and (b) with an engine capacity exceeding 2000cc". A new hybrid is not over four years old, so the regulation's wording, read literally, keeps the exemption. Table A-15 was not amended in 2026. GYCalc computes GRA's current ASYCUDA treatment (110% excise) first and shows the exempt reading as the other end of the range; confirm with GRA.. Hybrids above 2,500cc, hybrids 4 years and older, and diesel hybrids outside GRA's lines have no official rate: Needs verification: Official evidence is missing or contradictory.Official sources don't settle new hybrids above 2,500cc: GRA's ASYCUDA table has no line for them. Table A-15 says the exemption "does not apply to hybrid vehicles (a) exceeding four years old from the date of manufacture to the date of importation; and (b) with an engine capacity exceeding 2000cc"; a new hybrid is not over four years old, so read literally it stays exempt. GYCalc shows the car rate (110% up to 3,000cc, 140% above), which is GRA's treatment of the 2,001-2,500cc band carried upward and not a published rate, first, and the exempt reading as the other end of the range. the estimate shows both readings as a range . There has been no maximum import age since 1 October 2020: a vehicle of any age can be imported and is taxed at the 4+ year rates.

Electric cars: GYCalc charges no import taxes, at any age. Excise of 0% is verified (Excise Tax Regulations, Table A-15) and so are duty and VAT of 0% (GRA's guide: "Electric cars regardless of the year of manufacture", at any power rating), though we did not find the legal instrument for the duty and VAT. Verified: Supported directly by a current authoritative source.Verified GRA operational treatment; customs-duty provenance not located. GRA's Motor Vehicle Guide (read live 2026-10-06): "Electric cars regardless of the year of manufacture": 0% customs duty, 0% excise and 0% VAT, at or below and above 100 kW. Documentation note, not a downgrade: the legal instrument for zero duty and VAT was not found (the HS 2017 tariff base for 8703.80 is 45%), and the 2026 Act changes nothing for electric vehicles. Hybrids are separate, as above.

Under 4 years old

Three taxes apply. Duty is a percentage of CIF. Excise is charged on CIF plus duty. VAT (14%) is charged on CIF plus duty plus excise.

4 years and older

No duty and no VAT. Smaller engines pay one flat excise amount; larger engines pay excise from a formula on the CIF value in US dollars.

Budget 2026 changes

In force from 16 Feb 2026. Larger double-cabs (over 2,500cc) pay the standard rates; GRA doesn't say what applies to ones 4 years and older.

• VAT removed on vehicles under 4 years old with engines of 1,500cc or less.
• VAT removed on hybrid vehicles with engines of 2,000cc or less (GRA's notice: new hybrids under 4 years; older vehicles already pay no VAT).
• Double-cab pickups, 2,000cc or less: one flat charge of GY$2,000,000 instead of duty, excise and VAT.
• Double-cab pickups, 2,001–2,500cc: one flat charge of GY$3,000,000 instead of duty, excise and VAT.
• ATVs only (not UTVs): no import taxes.
• GYCalc also applies the VAT removal to vans and single-cab pickups. Needs verification: Official evidence is missing or contradictory.GRA's Budget 2026 VAT removal lists passenger vehicles (heading 87.03). Whether it also covers vans and single-cab pickups is not stated. GYCalc applies it. (Buses are not priced at all.) The VAT removal for new vehicles up to 1,500cc has no fuel condition (Act, para 4(o); ASYCUDA 8703.31.90 diesel 35/0/0, PDF last modified 25 May 2026), so GYCalc applies it to diesel too; the generic table in GRA's guide still shows 14% VAT for new diesel up to 1,500cc and the guide page carries no date, but its own text lists the same exemption.

Where these come from. The VAT removals are in the Fiscal Enactments (Amendment) Act 2026 (Act No. 3 of 2026), Schedule II to the VAT Act, paragraph 4(n), (o) and (p), in force from 16 February 2026. GRA's guide cites a different place ("Schedule 11 paragraph 5(c)"), which doesn't match the Act. The Act has no "under 4 years" condition for hybrids and no fuel condition for new vehicles; GRA limits hybrids to under 4 years, and GYCalc follows GRA. The same Act adds double-cab vehicles up to 2,500cc to a customs exemption list (its conditions weren't read).

The double-cab flat excise is Table A-22 of the Excise Tax (Amendment of Schedule) Regulations No. 3 of 2026, in force 16 February 2026, for any age. Both rows read "not exceeding", so the split between the two bands is derived from GRA's guide. Derived: Calculated from authoritative published values.

Other special cases

• Government (G) plates: GYCalc applies no special rate. No official source ties a rate to a plate: a G plate is a registration class, and the nearest US$2,000 figure in the Excise Tax Regulations is the flat amount for goods vehicles 4 years and older.
• Public officers: some senior public officers, members of parliament, judges, magistrates and others can import a vehicle with duty relief under section 23 of the Customs Act, with its own excise table. GYCalc doesn't model it, or any other concession under section 23 that depends on who you are.
• Dealers: excise is worked out on 1.5× the CIF value plus duty, for vehicles and motorcycles under 4 years old. For dealers importing vehicles 4 years and older, GYCalc uses the individual rates. Needs verification: Official evidence is missing or contradictory.For dealers importing vehicles 4 years and older, the Excise Tax Regulations (revised March 2025) have a separate table based on 1.5 × CIF, while GRA's Motor Vehicle Guide applies dealer rules only under 4 years. GYCalc uses the individual rates until GRA confirms which applies.
• Buses are not priced: they have their own excise bands (heading 87.02), and their duty and VAT are unresolved. Needs verification: Official evidence is missing or contradictory.Buses have their own excise bands, by seats and use, in the Excise Tax Regulations (heading 87.02), and no official source was found for their customs duty or VAT. GYCalc doesn't price a bus, and never as a car.
• Vehicle age is counted in whole model years. Needs verification: Official evidence is missing or contradictory.Customs Regulations s.209 (GRA's copy, last modified 22 May 2024) says: "four years old" means "the period of forty-eight months or four calendar years immediately preceding January 1 in the calendar year of importation". Excise Tax Regulations Table A-15 (hybrids) counts "from the date of manufacture to the date of importation". GYCalc asks for the MODEL YEAR, which is not the date of manufacture, and counts whole model years. A 2022 model imported in 2026 is 4 years old by model year, but may be under 4 by section 209's window or by exact date if it was built late in 2022; GRA gives no worked example. For a vehicle on this boundary GYCalc shows both readings.
• Single-cab pickups are goods vehicles: no excise under 4 years (diesel over 3,000cc: 10%), and a flat US$2,000 excise at 4+ years for a gross vehicle weight up to 7 tonnes Verified: Supported directly by a current authoritative source.. Above that the excise rises with weight, from US$2,500; GYCalc uses that lowest step Needs verification: Official evidence is missing or contradictory.Over 7 tonnes the Excise Tax Regulations (revised 2025-03-10) charge more as the weight rises: US$2,500 at 7-10 tonnes, US$3,000 at 10-20 tonnes, up to US$5,000 above 20 tonnes. GYCalc doesn't ask the exact weight and uses the lowest step, so your excise may be higher..
• Motorcycles have their own rates, below.

Re-migrant concession

Qualifying re-migrants, settlers and returning students pay no duty and no VAT. Instead they pay only excise, as a percentage of CIF, whatever the vehicle's age. Apply within 6 months of returning, and keep the vehicle for the required holding period.

A loan is repaid in equal instalments. Each one pays that period's interest first; the rest reduces the principal (what you borrowed). Paying extra, or paying every two weeks instead of monthly, cuts the principal faster, so you pay less interest and finish sooner.

The Loan Calculator offers these lender presets. Indicative, from lender pages checked 6 Oct 2026. Your offer may differ. Your rate depends on the lender and the loan. Tap a lender's name for what its page says.

PAYE (Pay As You Earn)

Income tax your employer takes from each pay and sends to the Guyana Revenue Authority (GRA).

NIS (National Insurance Scheme)

Guyana's social insurance. Contributions from your pay go towards benefits such as sickness, maternity and old-age pensions.

Gross pay

Everything you earn in a pay period before anything is taken out: basic pay, allowances, overtime and second-job income.

Balance of income

Gross pay minus non-taxable allowances and the tax-free part of overtime and second-job income. The personal allowance is worked out from this.

Chargeable income

The part of your pay PAYE is charged on: balance of income minus the personal allowance, NIS, child allowances and the insurance deduction.

Take-home pay

What reaches your bank account: gross pay minus NIS, PAYE, insurance and any loan or credit-union deductions.

Gratuity

A lump sum some contracts pay on top of salary, built up as a percentage of basic pay each month.

FOB (free on board)

The price of a vehicle where it is bought, before shipping and insurance.

CIF (cost, insurance and freight)

FOB price plus shipping and insurance to Guyana. Import taxes are worked out on this value.

Import duty

A customs tax charged as a percentage of a vehicle's CIF value.

Excise tax

A tax on certain goods, including vehicles. For vehicles it depends on engine size and age.

VAT (value-added tax)

A tax on goods and services. On an imported vehicle it is 14% of CIF plus duty and excise, unless an exemption applies.

Re-migrant

A Guyanese returning to live in Guyana. Qualifying re-migrants pay a reduced tax on an imported vehicle.

Principal

The amount you borrow, before any interest.

Interest rate

What the lender charges for the loan, as a percentage of the balance per year.

Amortisation

Paying a loan off in regular instalments. Early payments are mostly interest; later ones are mostly principal.

More questions? See Help & FAQ.

Rules used by the calculators

Guyana PAYE 2026

Version 2026.1 · In force from 1 Jan 2026 · checked 5 Oct 2026Notice to Employers, Employees and Self-Employed Persons: Revised Personal Allowance and Deductions for Income Tax 2026 (opens in a new tab)GRA · checked 5 Oct 2026Income Tax (Amendment) Act No. 3 of 2026, as set out in GRA's 2026 notice (opens in a new tab)GRA · checked 5 Oct 2026Income Tax Act, Chapter 81:01 (GRA consolidated copy, 21 October 2020) (opens in a new tab)Parliament of Guyana · checked 5 Oct 2026Taxable & Non-Taxable Allowances (revised 22 July 2025) (opens in a new tab)GRA · checked 5 Oct 2026Tax Operations Policy: Vacation Allowance (2 February 2026) (opens in a new tab)GRA · checked 5 Oct 2026Joint statement by the Government of Guyana and the Guyana Public Service Union (DPI, 10 December 2024) (opens in a new tab)Government of Guyana · checked 5 Oct 2026GYCalc app defaults and conventions (no public link recorded)GYCalc · check date not recordedFiscal Enactments (Amendment) Act 2026 (Act No. 3 of 2026), Official Gazette, 17 February 2026 (opens in a new tab)Parliament of Guyana · checked 6 Oct 2026Income Tax (Amendment) Act 2025 (Act No. 2 of 2025), Official Gazette (assent 6 February 2025) (opens in a new tab)Parliament of Guyana · checked 6 Oct 2026Public Service Ministry Circular 3/2009 (20 April 2009): Standardization of Employment Contracts within the Public Sector (ref PS:17/16) (opens in a new tab)Government of Guyana · checked 6 Oct 2026Public Service Rules, 1987 reprint (Public and Police Service Commissions copy), rule A8 Employment on contract (opens in a new tab)Government of Guyana · checked 6 Oct 2026Public Service Ministry Circular 20/2000 (22 November 2000): contract/gratuity terms (ref PS17/11/1) (opens in a new tab)Government of Guyana · checked 6 Oct 2026Public Service Ministry Circular 2/2001 (8 January 2001): contract/gratuity terms, amends Circular 20/2000 (ref PS:17/11/1) (opens in a new tab)Government of Guyana · checked 6 Oct 2026

Guyana NIS employee contributions (ceilings in force since January 2020)

Version 2026.1 · In force from 1 Jan 2020 · checked 5 Oct 2026NIS: Information on Contributions (opens in a new tab)NIS · checked 5 Oct 2026Notice to Employers, Employees and Self-Employed Persons: Revised Personal Allowance and Deductions for Income Tax 2026 (opens in a new tab)GRA · checked 5 Oct 2026

Assuria Medical Insurance Plan premiums (from 16 Sep 2026)

Version 2026.2 · In force from 16 Sept 2026 · checked 16 Sept 2026Assuria Medical Insurance Premium Adjustment notice (no public link recorded)NDMA · checked 16 Sept 2026

Guyana motor-vehicle import taxes 2026

Version 2026.3 · In force from 16 Feb 2026 · checked 6 Oct 2026GRA Motor Vehicle Duty/Tax Calculation Guide (opens in a new tab)GRA · checked 5 Oct 2026Excise Tax Regulations (revised 2025-03-10) (opens in a new tab)GRA · checked 5 Oct 20262026 Budget Measures for ASYCUDA Purposes (opens in a new tab)GRA · checked 6 Oct 20262026 Budget Measures: imports of new motor vehicles, double cab pickups, ATVs and hybrid vehicles (opens in a new tab)GRA · checked 5 Oct 2026Tax Exemption Policy for Qualifying Re-Migrants, Settlers and Returning Students (opens in a new tab)GRA · checked 5 Oct 2026Vehicles 8 Years Old & Used Tyres (opens in a new tab)GRA · checked 19 Aug 2026Exchange Rates (Customs Act, Chapter 82:01, s.22(1)(a)) (opens in a new tab)GRA · checked 5 Oct 2026Fiscal Enactments (Amendment) Act 2026 (Act No. 3 of 2026), Official Gazette, 17 February 2026 (opens in a new tab)Parliament of Guyana · checked 6 Oct 2026Excise Tax (Amendment of Schedule) Regulations No. 3 of 2026, Official Gazette (made 6 February 2026) (opens in a new tab)Government of Guyana · checked 6 Oct 2026GYCalc app defaults and conventions (no public link recorded)GYCalc · check date not recorded

Guyana lender rate presets (lender pages checked 6 Oct 2026, from the loan registry)

Version 2026.3 · In force from 6 Oct 2026 · checked 6 Oct 2026GPSCCU: Loans (guarantor, character, secured, mortgages) (opens in a new tab)Lenders · checked 6 Oct 2026GBTI: Loans (personal and auto loan features) (opens in a new tab)Lenders · checked 6 Oct 2026Republic Bank: Retail Loans (opens in a new tab)Lenders · checked 6 Oct 2026Bank of Baroda: Vehicle Loan (opens in a new tab)Lenders · checked 6 Oct 2026Bank of Baroda: Personal Loans (opens in a new tab)Lenders · checked 6 Oct 2026Citizens Bank: Vehicle loan (opens in a new tab)Lenders · checked 6 Oct 2026Demerara Bank: Vehicle Loans (opens in a new tab)Lenders · checked 6 Oct 2026GYCalc app defaults and conventions (no public link recorded)GYCalc · check date not recorded

Rules change. When they do, the change is listed in What's New. GYCalc gives estimates; your payslip, the GRA and NIS have the final word.