Saint Vincent and the Grenadines national insurance contribution reference checked for 2026. Covers ordinary employee and employer shares, current weekly and monthly earnings ceilings, earnings inclusions, registration and monthly remittance. Includes worked payroll examples and a distinction between cash salary and remuneration in kind. Uses current NIS employer guidance and the published contribution regulations, while expressly separating superseded historical rate and age provisions from current rules. Use after employment coverage is established. Special age groups, multiple employers, self-employment, benefit entitlement and the complete amendment chain require further review. Independent accountant review is pending.
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Accountant-authored. Written and published by Ryan Duguid, an accountant approved on OpenAccountants. Their licence number is not on file. Their registration is in Australia; this skill covers VC. General reference material, not advice on your specific facts; don't file, pay, or take a position on it without a professional reviewing your situation.
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| Earnings | Capped base | Employee 6.5% | Employer 7.5% | Combined |
|---|---|---|---|---|
| Monthly 3,000 | 3,000 | 195 | 225 | 420 |
| Monthly 5,200 | 5,200 | 338 | 390 | 728 |
| Monthly 6,500 | 5,200 | 338 | 390 | 728 |
| Weekly 1,200 | 1,200 | 78 | 90 | 168 |
| Weekly 1,500 | 1,200 | 78 | 90 | 168 |
Source-cited draft checked 22 October 2026 for ordinary covered employees. The NIS employer guidance specifies employee contributions of 6.5% and employer contributions of 7.5%, total 14%. It gives ceilings of EC$1,200 weekly, EC$5,200 monthly and EC$62,400 annually. Use the ceiling for the relevant payroll period; do not convert the weekly ceiling into an assumed four-week monthly ceiling.
The published Contribution Regulations, regulation 4(4) include remuneration in cash and in kind, overtime, commissions, gratuities, production bonuses and other listed payments. The current employer page also lists salary arrears and service charges. Do not assume that a bonus exclusion used in a neighbouring jurisdiction applies here.
Assume ordinary coverage and an agreed insurable earnings figure. All amounts are EC dollars.
| Earnings | Capped base | Employee 6.5% | Employer 7.5% | Combined |
|---|---|---|---|---|
| Monthly 3,000 | 3,000 | 195 | 225 | 420 |
| Monthly 5,200 | 5,200 | 338 | 390 | 728 |
| Monthly 6,500 | 5,200 | 338 | 390 | 728 |
| Weekly 1,200 | 1,200 | 78 | 90 | 168 |
| Weekly 1,500 | 1,200 | 78 | 90 | 168 |
If EC$4,500 cash wages and a separately established EC$500 insurable benefit in kind are paid for a month, the base is EC$5,000. Employee contributions are EC$325 and employer contributions EC$375. This example assumes the benefit's valuation is already settled; it does not prescribe a valuation method.
The current employer page requires registration within seven days of the first employee, using Form R3. Monthly contributions must be paid within one month after month end. It specifies the turnaround schedule and, for employers with more than ten employees, Form C2 as well. The NIS homepage also links eSubmit for electronic contribution statements.
Reconcile worker registration numbers, period earnings, the capped base and both contribution shares to the filed schedule and payment. Treat that reconciliation as a suggested payroll control. A bank payment alone does not document the employee-level allocation.
The downloadable regulations are an older compilation. Their historical rate and age provisions have not been used as the current 2026 schedule. Current figures above come from NIS's employer guidance; the complete later amendment chain remains to be reconciled before merge. Age transitions, special coverage, multiple employers, self-employed and voluntary contributions, penalties and benefits require separate analysis. Independent accountant review is pending.
Contributed by Ryan Duguid.
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