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Financial planning for salaried employees and attendant tax-saving strategies was conducted by the researcher. The survey was done within the North Tongu District of the Volta Region of Ghana for the period of 3 months (8th April 2022 to 5th July 2022). The researcher correlated financial planning and tax savings of salaried employees. The data was collected through a structured questionnaire by means of hand delivery and a Google form filled out by 250 employees working in different sectors in the district. It was found from the analysis that there is a relationship between Annual savings, Age, Income, and the Sectorial employment designation of people. Analysis has been through percentage analysis, Correlation, One-way ANOVA, T-Test, and Chi-square. Overall findings of the research reveal that tax relief is the most adopted tax savings instrument. The research concludes that salaried employees want to know their tax obligations from the right standpoint and processes of financial planning available to them so that they can make the best use of their earnings by reducing the incidence of tax.


Dividend Income, Dividend Income, Financial Planning, Interest Income, Post-Tax Cost, Tax Relief
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