Find out exactly what your SSNIT pension will pay you in retirement
Most Ghanaian professionals will receive far less than they expect. We calculate your exact retirement income gap — and show you how to close it. Flat fee. No products to sell. Built by a Ghanaian actuary.
Your free SSNIT estimate
Enter your details below. Takes 2 minutes. No signup required to see your result.
From estimate to retirement plan — in four steps
Run your free estimate
Enter your salary, age, and SSNIT history. Our actuarial engine calculates your projected pension in today's money — not the misleading nominal figure most people are shown.
Get your Snapshot report
Pay GH₵ 400. Fill in a short intake form. Within 24 hours, receive a full actuarial PDF report showing your retirement income gap, inflation impact, and what you need to do — automatically delivered to your inbox.
Build your personalised plan
Upgrade to a full Personalised Plan (GH₵ 2,000) for a 60-minute video consultation, custom savings strategy, and a written 30/90/180-day action plan tailored to your income and family situation.
Stay on track annually
For GH₵ 1,000 per year, we refresh your plan annually, verify your SSNIT contributions are being remitted correctly, and give you WhatsApp access for up to 3 questions per quarter.
Ghana's only actuarial retirement planning service
There are financial advisors in Ghana. There are pension fund managers. There is no one else doing this.
Actuarial-grade analysis
Most financial advisors use simple rules of thumb. AMJ Financial applies the same mortality tables, survival probability models, and inflation-adjusted cash flow analysis used by pension funds — applied to your personal situation.
Zero commissions. Ever.
Every financial product in Ghana pays the advisor who sells it. AMJ Financial earns nothing from products — only from you. That means our advice is determined entirely by what is best for your retirement, not what pays us the most.
Ghanaian. Credentialed. Accountable.
Founded by a Ghanaian ASA and CERA-credentialed actuary trained in the United States. We understand both the Ghana pension system and the international standards for retirement income planning. Registered in Ghana. Data Protection Commission certified.
Ghana's retirement crisis — by the numbers
Most formal sector workers will retire on 15–25% of their final salary in real terms. Do you know your number?
Calculate my number free →