SSNIT pension calculator

Enter how long you have contributed and the average monthly salary of your best three years. You get the pension right you have earned and an estimate of the monthly pension at the full retirement age.

Years of contributions

Average monthly salary, best 3 years

GH₵

Estimated pension a month at 60

GH₵2,925.00

48.75% of your average salary

First 15 years: 37.5%
10 more years at 1.125%: + 11.25%
Your pension right: 48.75%

Rates in force from 1 Jan 2026 · checked 25 Sept 2026 · source · source

An estimate, not SSNIT's figure. SSNIT works out your pension from its own record of your contributions and salaries.

How it works

A pension needs 180 months (15 years) of contributions, which earn a pension right of 37.5% of the average of your three best years' salaries. Each further 12 months adds 1.125%, up to 60%.

The full pension is paid from age 60. Retiring from 55 gives a reduced pension: SSNIT applies an early-age reduction it does not publish, so this estimate is for retiring at 60.

New pensioners get at least GH₵400.00 a month in 2026.

Sources: SSNIT: Old age pension, SSNIT: 2026 minimum pension

Questions people ask

How is the SSNIT pension calculated?: The pension right grows with the months you contributed, and the monthly pension is that share of the average of your three best years' salaries. After 25 years on an average of GH₵6,000 a month, the right is 48.75% and the pension about GH₵2,925.00 a month.
What if I have contributed for less than 15 years?: A monthly pension needs 180 months of contributions. Short of that, ask SSNIT what you are due.
Can I retire at 55?: Yes, voluntarily, on a reduced pension, once you have the qualifying months. SSNIT applies an early-age reduction factor; ask SSNIT for your figure.

How it works

A pension needs 180 months (15 years) of contributions, which earn a pension right of 37.5% of the average of your three best years' salaries. Each further 12 months adds 1.125%, up to 60%.

The full pension is paid from age 60. Retiring from 55 gives a reduced pension: SSNIT applies an early-age reduction it does not publish, so this estimate is for retiring at 60.

New pensioners get at least GH₵400.00 a month in 2026.

Questions people ask

How is the SSNIT pension calculated?

The pension right grows with the months you contributed, and the monthly pension is that share of the average of your three best years' salaries. After 25 years on an average of GH₵6,000 a month, the right is 48.75% and the pension about GH₵2,925.00 a month.

What if I have contributed for less than 15 years?

A monthly pension needs 180 months of contributions. Short of that, ask SSNIT what you are due.

Can I retire at 55?

Yes, voluntarily, on a reduced pension, once you have the qualifying months. SSNIT applies an early-age reduction factor; ask SSNIT for your figure.