Jamaica NHT contribution and refund planner
Estimate an NHT contribution, check the exact regular-refund year, and screen published contribution-history basics without guessing approval or refund value.
Your numbers
Change any assumption to update the estimate.
This selection uses 2%. The employee 2 percent may enter the ordinary refund cycle. The employer's separate 3 percent is not the employee's refundable contribution.
Your result
Enter earnings to estimate the contribution
Choose the contributor type and pay frequency first. The result will keep your contribution separate from any employer amount.
How this estimate works
Employee contributions use 2 percent of gross emoluments, with a separate 3 percent employer contribution. The ordinary employee path applies from age 18 until before retirement age 65. Resolved ordinary self-employed classes use 3 percent, two specified worker groups use 2 percent, and voluntary contributors use 3 percent of the applicable earnings basis.
For an ordinary regular refund, add eight to the contribution calendar year. A 2018 contribution first became open on 1 January 2026; a 2019 contribution first opens on 1 January 2027.
No refund amount is calculated. Current operational material and the published subsidiary-law file do not agree on the bonus or interest rate, and the actual payment also depends on NHT’s account record and prior credits. NHT publishes a 15-working-day processing target for a correctly submitted application.
The contribution-history screen checks only the published age, current-status, and route-specific history conditions. It deliberately says whether the entered facts pass those basics, never that a person is eligible or approved.
Questions people ask
Which NHT contribution year can I claim in 2026?
Regular refund applications are open for 2018 and earlier contribution years. The 2018 cycle opened on 1 January 2026.
Can JaRanks calculate my NHT refund amount?
No. Public sources conflict on the bonus or interest rate, and NHT must use its account record, prior refunds, and any loan credits. The planner only checks the year.
What NHT rate does an employee pay?
An ordinary liable employee contributes 2 percent of gross emoluments. The employer pays a separate 3 percent that is not the employee's refundable contribution.
Does passing the contribution-history screen mean I qualify for a loan?
No. It only checks a few published basics. NHT still decides record status, affordability, product rules, property conditions, documents, credit, insurance, and the amount available.
Sources
- Contribution refundsGovernment page
Supports the eighth-year rule. JaRanks suppresses refund amounts because public interest and bonus sources conflict.
government pageSource: National Housing Trustchecked - 2026 contribution refund openingGovernment page
Confirms that 2018 contributions opened for regular refund applications on 1 January 2026.
government pageSource: National Housing Trustchecked - 2026 refund service standardGovernment page
States the 15-working-day processing target for a correctly submitted contribution-refund application.
government pageSource: National Housing Trustchecked - NHT contributions overviewGovernment page
Current overview supporting the ordinary contributor age, employment, and weekly minimum-earnings conditions.
government pageSource: National Housing Trustchecked - Employee contributionsGovernment page
Defines the ordinary employee contribution and weekly minimum-earnings condition.
government pageSource: National Housing Trustchecked - Employer contributionsGovernment page
Separates the employee 2 percent from the employer 3 percent.
government pageSource: National Housing Trustchecked - Self-employed contributionsGovernment page
Used only for the resolved plain-language contributor classes; conflicting category numbering is not exposed.
government pageSource: National Housing Trustchecked - Voluntary contributionsGovernment page
Defines the 3 percent voluntary route and contribution-history condition for qualifying overseas voluntary contributors.
government pageSource: National Housing Trustchecked - Buy Loans qualification basicsGovernment page
Current page supporting the 18-to-70 and 52-week, 13-of-26 contribution-history basics. Used only for a conservative screen, never an approval decision.
government pageSource: National Housing Trustchecked - Checklist for all loan types revised March 2026Government page
Current checklist index used to corroborate the contribution-history and document boundaries.
government pageSource: National Housing Trustchecked - Union Acres Fact Sheet 2025Government page
Current NHT scheme material corroborating the last-two-quarterly-payments condition for self-employed applicants.
government pageSource: National Housing Trustchecked - NHT eligibility letterGovernment page
Explains what an eligibility letter contains and which applicants must request one in an NHT office.
government pageSource: National Housing Trustchecked - Minimum wage moves to J$16,000Government page
Confirms J$16,000 per 40-hour week from 1 June 2025 until the next increase.
government pageSource: Jamaica Information Servicechecked - Minimum wage moves to J$17,000Government page
Confirms J$17,000 per 40-hour week and J$425 per hour from 1 July 2026.
government pageSource: Jamaica Information Servicechecked - National Housing Trust Act regulationsLaw or regulationlawSource: Ministry of Justicechecked