💰 SALARY & TAX

Pension Fund Projection

Project your retirement fund growth using country-specific pension systems across Africa. Enter your salary, contribution rate and expected returns to see how your pension fund grows over time. Covers mandatory schemes, voluntary contributions and employer matching.

🇳🇬 PRA 2014 🇰🇪 NSSF 🇿🇦 27.5% deductible 🇬🇭 3-Tier

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Select your country and enter your pension details

COUNTRY

CURRENT AGE

RETIREMENT AGE

CURRENT MONTHLY SALARY

₦

ANNUAL SALARY GROWTH %

MONTHLY CONTRIBUTION RATE % Employee + employer combined

EXPECTED FUND GROWTH Moderate: ~10% p.a.

CURRENT FUND BALANCE

₦

AI OBSERVATIONS

Pension Insights

Select a country and project your pension to see AI-powered insights on the local pension system, contribution rules, tax benefits and retirement planning tips.

⚖️ HOW IT WORKS

Monthly contribution = Salary × contribution rate (employee + employer)
Fund growth = Previous balance × (1 + annual return / 12) + monthly contribution
Salary grows each year at your specified annual growth rate
Monthly pension estimated using 4% safe withdrawal rule (fund × 4% / 12)
Replacement ratio = Monthly pension ÷ final monthly salary

🔗 RELATED TOOLS

💰 PAYE Calculator — Income tax after deductions
👥 Employee Cost Calculator — True cost of hiring
📈 Compound Interest — Watch your savings grow
📋 Budget Planner — Plan your monthly budget
📊 Minimum Wage Reference — All 54 countries

Source and assumptions check

Use this as a retirement planning estimate, not an official pension statement

Inputs: country, age, salary, current balance, contribution rate, salary growth, investment growth scenario, and retirement age.
Method: compounds monthly contributions and investment growth, then converts the projected balance into an illustrative 4% annual drawdown.
Verify before acting: pension fund statement, employer remittance history, statutory contribution caps, fund fees, tax treatment, and current retirement rules.
Privacy: the projection runs in your browser. Copy, download, save, or share only the summary you choose.

Reviewed 2026. Planning guidance only. It is not investment advice, tax advice, a guaranteed pension value, or an official filing.

Pension Fund Projection FAQ

How do I use the Pension Fund Projection?

Enter your amounts, rates and dates in the fields above. The Pension Fund Projection then gives you a clear estimate with the assumptions shown you can use straight away.

How accurate is the Pension Fund Projection?

It is as accurate as the values you enter and shows the assumptions behind the result. Always confirm current prices, fees and official rates for your country before you rely on it. It is a planning estimate, not financial advice.

Is the Pension Fund Projection free, and does it cover my country?

Yes — it is completely free, works on any phone or computer with no signup, and is built for all 54 African countries.