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Pension Comparison Calculator

Compare your RSA balance against age-based benchmarks to see if your Nigerian pension savings are on track.

years
22 yrs60 yrs
₦
050,000,000
₦
50,0005,000,000
%
5%20%
⚠️

Behind Schedule

17% of the age-35 benchmark

₦0Benchmark: ₦12,000,000
Your RSA: ₦2,000,000−₦10,000,000 gap

RSA Benchmarks by Age

Multiples of annual salary of ₦6,000,000
Age 250.5× = ₦3,000,000
Age 301× = ₦6,000,000
Age 352× = ₦12,000,000
Age 403.5× = ₦21,000,000
Age 455.5× = ₦33,000,000
Age 507.5× = ₦45,000,000
Age 559.5× = ₦57,000,000
Age 6012× = ₦72,000,000

Monthly voluntary contribution to close gap by age 60

₦90,119

Over 25 years at 10% return

An illustration using the figures you entered, for education only — not financial, investment or tax advice. Real returns depend on prices, fees and tax at the time.

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About These Benchmarks

Benchmarks are expressed as multiples of annual gross salary. They assume 18% total CPS contributions (10% employer + 8% employee) invested from age 22, growing at approximately 10% per annum — consistent with conservative RSA Fund III performance. They are illustrative targets only, not official PENCOM figures. Your actual target depends on your desired retirement income, expected retirement age, and other savings outside the RSA.

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