Zamcalc Blog
Zambian finance, utilities and money - written for zambians
Zambia Government Bond Auction Results - June 2026
Results from GRZ Bond Auction 05/2026/BA held on 26 June 2026. Yields held steady across all tenors and demand for short-dated bonds rebounded strongly.
How to Get the Best Exchange Rate in Zambia (2026)
Compare exchange rates across banks, bureaux de change, and online services in Zambia. Use the BOZ mid-rate as your benchmark and avoid common pitfalls.
Withholding Tax - Final Tax vs Credited Against Income Tax in Zambia
Not all Withholding Tax in Zambia is final. Learn which categories are final tax and which are credited against your annual income tax liability.
Zambia Double Tax Treaties - How They Reduce Withholding Tax
Zambia has 23 Double Taxation Agreements that can significantly reduce Withholding Tax on cross-border payments. See treaty rates for dividends, interest, and royalties.
How to Calculate Withholding Tax in Zambia (2026)
Everything you need to know about Withholding Tax in Zambia - who deducts it, the rates for all categories, resident vs non-resident differences, and when it is final tax.
PAYE Tax Bands Zambia 2026 - Every Bracket Explained
Every PAYE tax band in Zambia for 2026 explained with rates, thresholds, and a step-by-step worked example showing exactly how each bracket applies to your salary.
Overtime vs Time Off in Lieu in Zambia - Your Rights Under the Employment Code
Can your employer give you time off instead of overtime pay in Zambia? Understand your rights under the Employment Code Act, how TOIL is calculated, and when you can refuse.
Overtime Rates in Zambia 2026 - Ordinary Day, Rest Day and Public Holiday
Current overtime rates in Zambia for 2026 under the Employment Code Act. Ordinary day at 1.5x, rest day at 2x, and public holiday at 2x - with pay tables at common salary levels.
How to Calculate Overtime Pay in Zambia 2026
Step-by-step guide to calculating overtime pay in Zambia under the Employment Code Act 2019. Covers ordinary day, rest day, and public holiday rates with real worked examples.
NHIMA Contribution Rate Zambia 2026 - Employee and Employer Guide
Current NHIMA contribution rate in Zambia for 2026 - 1% employee and 1% employer with no ceiling. See how it appears on your payslip and what employers must do.
NHIMA vs Private Medical Aid in Zambia - Do You Need Both?
Compare NHIMA national health insurance with private medical aid in Zambia. See coverage differences, costs at different salary levels, and whether you need both.
How NHIMA Works in Zambia 2026 - Contributions, Benefits and Coverage
How NHIMA health insurance works in Zambia - the 1% contribution rate, how to register, what benefits you can access, and how to use your NHIMA card at accredited facilities.
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