StaffScale — Product Roadmap

At a Glance

Overview Metrics

9

Epics identified

3

Critical compliance gaps

9

High-priority gaps

6

Priority actions

3

Phases to launch

0 Total Tasks

0 Done

0% Complete

0 Comments

📌 Document Note

Priority Task Board

Unified TODO List

All tasks from Immediate Actions, Gap Analysis, and Epics — ordered by priority. Check tasks, add comments, ask questions, and record who completed each item.

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Gap Analysis

Strategic Plan vs Current Build

Live audit of what the strategic plan requires vs. what is currently implemented.

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Area	Required	Current Status	Priority	Notes

Zambia Statutory Compliance

Master Reference 🇿🇲

Authoritative compliance reference for all Zambian employer statutory obligations. All rates verified for 2026 tax year. Use the calculator and copy key figures directly into your codebase.

🧮 PAYE Calculator — 2026 ZRA Tax Bands

Gross Monthly Pay (ZMW)

Employee Name (optional)

Gross Pay–

NAPSA Employee (5%, cap K1,708.20)–

Taxable Income (Gross − NAPSA)–

PAYE (progressive bands)–

NHIMA Employee (1%, uncapped)–

NET PAY–

Employer NAPSA (5%)–

Employer NHIMA (1%)–

SDL Employer (0.5%)–

Total Employer Cost–

💰PAYE — Income Tax

ZRA▼

Band 1K0 – K5,100 0%

Band 2K5,101 – K7,100 20%

Band 3K7,101 – K9,200 30%

Band 4Above K9,200 37.5%

Calc orderGross → minus NAPSA → PAYE on taxable income

Monthly filingP10 return — due 10th of following month

Annual filingP9 per employee — due 31 March

Late penalty5%/month + BoZ lending rate interest

Director liabilityYES — personal liability under Income Tax Act

Portalzra.org.zm

🏦NAPSA — Pension

NAPSA▼

Rate5% employee + 5% employer

Monthly capK1,708.20 each (gross ceiling K34,164/mo)

IncludedBasic, housing, transport, overtime, bonuses, all cash allowances

ExcludedGratuity at end of contract only

PAYE effectNAPSA deducted BEFORE calculating PAYE (reduces taxable income)

Due date10th of following month

PaymenteNAPSA portal or USSD *677#

Late penalty10%/month + BoZ lending rate

Director liabilityYES — NAPSA Act Cap 256

Portalnapsa.co.zm

🏥NHIMA — Health Insurance

NHIMA▼

Rate1% employee + 1% employer

CeilingNONE — calculated on full gross, no cap

BaseFull gross pay (including all allowances)

PAYE effectNOT deducted before PAYE — NHIMA is on full gross

Due date10th of following month

Late penalty2%/month on outstanding

Governing ActNational Health Insurance Act No. 2 of 2018

Portalnhima.co.zm

📚SDL — Skills Development Levy

ZRA▼

Rate0.5% employer only

Who paysEmployer ONLY — not deducted from employee

CeilingNone — on total gross payroll

Tax deductibleYES — as business expense from 2025 Budget

Filed withZRA monthly P10 return

Due date10th of following month

Governing ActTEVET Act (Technical Education, Vocational and Entrepreneurship Training)

🛡WCF — Workers Compensation

WCF▼

FrequencyAnnual levy — not monthly

RateVaries by industry risk class — contact WCF Control Board

Who paysEmployer only

RegistrationRequired BEFORE first hire — criminal offence otherwise

CoverageInjury at work compensation for all employees

Annual returnFiled with WCF Control Board each year

⚖️Employment Code Act No. 3 of 2019

MLSS▼

Probation max6 months — flag in platform when approaching

Annual leaveMinimum 24 days per year for all employees

OvertimeStatutory entitlement — flag hours beyond 48/week

TerminationFair hearing required before dismissal — no exceptions

Minimum wageProtected categories: cleaners, guards, drivers, receptionists — varies

Fixed-term contractsPermitted — converts to permanent after 2 consecutive renewals

Amendment watchMonitor mlss.gov.zm — 2025/26 amendment bill in progress

🔒Data Protection Act No. 3 of 2021

ZICTA▼

Data storageZambia-based servers OR Data Protection Commissioner approval for cross-border

ConsentExplicit consent required before collecting personal data

Right to deletionMust be supported — employees can request data erasure

RegistrationRegister with ZICTA as data controller before processing employee data

Records retentionPayroll records: minimum 6 years (Tax Records Act)

Cyber securityCyber Security and Cyber Crimes Act 2021 — encrypt payment data at rest

Portalzicta.zm

📱National Payment Systems + BoZ

BoZ▼

Governing lawNational Payment Systems Act No. 1 of 2007 + BoZ Mobile Money Directives 2019

StaffScale statusMERCHANT — does NOT need BoZ Payment System Licence

Why no licenceRouting through Airtel Money (licensed) + Flutterwave (BoZ licensed Feb 2025) — they hold the licence

Airtel MoneyLicensed payment provider — merchant API via developers.airtel.africa

MTN MoMoLicensed — fallback via Flutterwave/Klasha aggregator

AML/KYCScreen customers against sanctions lists. Report suspicious transactions to FIC within 24hrs

ReconciliationReconcile disbursements daily — BoZ best practice

📅 Monthly Statutory Filing Calendar — All Due 10th

NAPSA Schedule 1
eNAPSA portal or *677#

NHIMA Contribution
nhima.co.zm portal

ZRA P10 + SDL
zra.org.zm portal

Annual P9 forms
By 31 March each year

⚠ Penalties begin on the 11th — no grace period for any of the above

⚡ Dev Automation Tools — click to generate & copy

Live Codebase Status

Auto-scanned from StaffScale Repo

Read-only scan of packages/backend/src/lib/zambian-tax.ts, prisma/schema.prisma, package.json, .env.example. Last scanned 1 Jun 2026, 05:21.

100%

Tax Compliance

zambian-tax.ts

58%

Schema Completeness

schema.prisma · 5 gaps

0%

Payment Readiness

packages + env vars

💰 Tax Engine — zambian-tax.ts

NAPSA ceiling ✓ K1,708.20

PAYE K0–K5,100 ✓ 0%

PAYE K5,101–K7,100 ✓ 20%

PAYE K7,101–K9,200 ✓ 30%

PAYE K9,201+ ✓ 37.5%

NHIMA function ✓ implemented

SDL function ✓ implemented

🗄️ Prisma Schema Gaps PayrollApproval ✓

Employee.mobileWalletNumber Employee.mobileNetwork Organization.tpin Organization.napsaNumber Organization.nhimaReference Organization.subscriptionTier Organization.trialStartDate

5/12 fields present · 7 gaps

📦 Payment Packages

✗ africastalking Africa's Talking SMS/USSD API

✗ flutterwave-node-v3 Flutterwave payment gateway

🔐 Missing Env Vars .env.example

AIRTEL_CLIENT_ID AIRTEL_CLIENT_SECRET FLUTTERWAVE_PUBLIC_KEY AFRICAS_TALKING_API_KEY ZRA_TPIN NAPSA_EMPLOYER_NUMBER NHIMA_EMPLOYER_REFERENCE

0/7 payment env vars present

Epics & Sub-Tasks

Development Epics

Click any epic to expand tasks. Check tasks as you complete them — progress saves locally.

Delivery Timeline

Phase Plan

Git Strategy

Branching Strategy

All epics branch from develop. Feature tasks branch from their parent epic. PRs required for all merges.

main ────●──────────────────────────────────────●──── (production)
│ ↑
develop ───●─────●──────●──────●──────●──────●──────●──── (staging)
│ ↑ ↑ ↑ ↑ ↑
epic/statutory-calculations-fix ●──────●
├─ feat/napsa-ceiling-update → PR → epic branch
├─ feat/paye-bands-2025 → PR → epic branch
├─ feat/nhima-calculation → PR → epic branch
└─ feat/sdl-calculation → PR → epic branch

epic/compliance-exports ●──────●
├─ feat/napsa-icare-export
├─ feat/nhima-schedule-export
├─ feat/zra-p9-return
└─ feat/bank-eft-export

hotfix/napsa-ceiling-production ──── merges directly to main + develop

Rule	Detail
Branch from	Always branch epics from `develop`. Branch feature tasks from their parent epic.
PR to merge	Feature PRs → epic branch. Epic PRs → develop. Develop → main for releases.
Naming	`epic/short-name` · `feat/scope-description` · `hotfix/critical-fix`
Hotfixes	Branch from main, merge back to both main and develop to avoid regression.
⚠ Compliance fixes	NAPSA/PAYE statutory fixes must be hotfixed to production immediately — do NOT wait for epic cycle.
Squash on merge	Squash feature commits when merging to epic. Preserve epic commit history when merging to develop.
Protected branches	`main` and `develop` — require PR review, no force push.

Immediate Actions

Do This Week

These cannot wait. Each week of delay has a compounding cost.

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