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The report below uses sample data. Your report will reflect your exact salary, age, contribution history, and retirement goals.
Client profile
SSNIT pension projection
This projection applies the SSNIT pension formula as defined in the National Pensions Act 2008 (Act 766). Your Pension Right percentage is calculated from your total months of contribution at retirement.
The difference between GH₵ 5,550 and GH₵ 516 is not a trick. It is the mathematical reality of 18 years of compounding inflation at Ghana's historical average of 15% per year. The GH₵ 5,550 is what SSNIT will pay. The GH₵ 516 is what it will be worth.
Tier 2 estimate
Tier 2 mandatory occupational pension is paid as a lump sum at retirement. The estimate below is based on a standard 5% employer + employee contribution rate on your current salary, projected at a conservative 12% annual return (consistent with recent Tier 2 fund performance in Ghana).
Income gap analysis
Inflation scenario stress test
Even at the most conservative inflation assumption, the monthly gap is substantial. This is why waiting to address retirement savings is the most expensive decision most Ghanaians make.
Required savings analysis
To generate GH₵ 5,601 per month in retirement (for 20 years) through personal savings alone, the following monthly savings are required starting today, at different assumed investment return rates.
These figures assume you start saving today, at age 42. Every year of delay materially increases the required monthly savings. At age 45, the required savings at 8% return would be approximately GH₵ 4,100 / month.
Action plan
Verify your SSNIT contribution history this week
UrgentRequest your SSNIT mini-statement. Employer non-remittance is common in Ghana and silently reduces your pension right percentage. Every missing month of contributions reduces your final pension. Contact SSNIT directly at ssnit.com.gh or visit any branch with your SSNIT number.
Open or increase a Tier 3 voluntary pension account
Start this monthTier 3 contributions attract a tax deduction of up to 16.5% of your income under Ghana Revenue Authority rules. Even GH₵ 500–800 per month started today materially reduces your retirement gap through compound growth and the tax benefit. Ask your employer about available Tier 3 providers, or open one independently through an NPRA-registered trustee.
Diversify savings into USD-denominated assets
Within 3 monthsGhana cedi depreciation compounds your inflation exposure. Holding 20–30% of retirement savings in USD assets — such as a US-based brokerage account, dollar-denominated Treasury instruments, or a diaspora savings account — provides a currency hedge that significantly improves your real retirement income.
Confirm your Tier 2 fund and request a current statement
Within 30 daysMany employees do not know which Tier 2 trustee manages their mandatory occupational pension. Contact your HR department for the name of your Tier 2 provider and request a current account statement. Verify the balance is consistent with your contribution history.
Review this analysis annually
OngoingYour salary, family situation, Ghana's inflation rate, and SSNIT regulations will all change over time. This analysis should be updated every 12 months to keep your plan accurate and your savings rate calibrated. AMJ Financial's Annual Monitoring service (GH₵ 1,000/year) does this automatically.