Nigerian Retirement Calculator
Nigeria avg: 56. Target 80+
₦
₦
Pension + personal savings combined
% p.a.
PFA average: 13–18% historical
% p.a.
₦
What would you need to live comfortably per month today?
Years to Retirement
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Projected Nest Egg
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Real Value (Today’s ₦)
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Monthly Need (Future ₦)
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Retirement Lasts
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Shortfall / Surplus
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Why You Must Plan Beyond Your PFA
💰 The Pension Gap
Most Nigerians’ RSA balances are dangerously underfunded. The Contributory Pension Scheme alone will not provide a comfortable retirement for most workers.
📈 Inflation Destroys Retirement
At 15.91% inflation, ₦300,000 today needs ₦1.2M+ in 10 years to buy the same things. Your retirement number must account for inflation.
🚀 The Dangote IPO Angle
A strong equity position in blue-chip stocks and the Dangote IPO during working years significantly accelerates retirement wealth accumulation.
📋 The 4% Withdrawal Rule
A common guideline: in retirement, withdraw no more than 4% of your nest egg per year to make it last 25+ years. This calculator uses this principle.
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