NSSF midterm access calculator Uganda

Midterm access lets you take part of your NSSF savings before retirement.

Enter your balance, age and years of contributions to see if you qualify and the amount you can claim.

How it's calculated

You qualify at 45 years or older with at least 10 years of contributions. You can take up to 20% of your accrued benefits.
A member with a disability qualifies at 40 years or older, also with 10 years of contributions, and can take 50%.
The rest stays in the Fund until you claim your age benefit.

At 45, with 10 years of contributions and Ushs 40,000,000 saved, you can claim up to Ushs 8,000,000.

What documents do I need?

A current passport photo, a valid ID such as your National ID, and proof of your bank account. Bring the originals to compare with the copies.

Can I take my whole balance?

Not as midterm access. The full balance is paid as the age benefit at 55, or as a withdrawal benefit at 50 after a year out of work.

What if I have a disability?

You can apply from 40 years and take 50%. Add a letter from the National Council for Persons with Disabilities to your claim.

Midterm access: Early payment of part of your NSSF savings before retirement age.
Accrued benefits: Your contributions plus the interest NSSF has credited to them.

Up-to-date official data

Data checked against the official source on 24 October 2026.

We check the official sources automatically, every day.