SSNIT pension calculator

Your SSNIT pension depends on how many months you contributed and on the average of your three best years' annual salaries.

With 180 months months you earn a pension right of 37.5%, and each extra year adds 1.125%, up to 60%.

How it's calculated

Pension right: 37.5% for 180 months months of contributions, plus 1.125% for every additional year, up to 60%.
Yearly pension: your pension right times the average of your three best years' annual salaries.
The full pension is paid from age 60 years.

With 300 months and a best-three-years average of GH₵60,000, the pension right is 48.75% and the pension is about GH₵2,437.50 a month.

How many months do I need for a SSNIT pension?

At least 180 months months under Act 766, or 240 months under PNDC Law 247 in aggregate.

Can I retire before 60?

Yes, from 55 with a reduced pension. An early age reduction factor is applied.

How long is the pension paid?

All eligible pensioners are paid until death.

Pension right: The share of lost income that the scheme replaces, based on the months you contributed.

Up-to-date official data

Data checked against the official source on 18 October 2026.

We check the official sources automatically, every day.