Pension Calculator Nigeria — CPS Retirement Fund Projector
Calculate your pension contributions and project your RSA fund at retirement under Nigeria's Contributory Pension Scheme (CPS). See monthly contributions and estimated retirement income.
Contribution Rates
RSA Growth — Key Milestones
| Age | Years to Go | Annual Contribution | RSA Balance |
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Year-by-Year RSA Growth
| Year | Age | Monthly Contribution | Annual Contribution | RSA Balance |
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How Your Pension Grows Under CPS
Your RSA balance grows in two ways: contributions from you and your employer each month, and investment returns earned by your PFA on the accumulated funds.
The total monthly contribution is 18% of your emolument (basic + housing + transport) — 8% employee + 10% employer. If you earn ₦350,000/month total emolument, ₦63,000 goes into your RSA every month, with ₦28,000 from you and ₦35,000 from your employer.
Starting early matters enormously. Starting contributions at 25 vs 35 can result in a retirement fund 2-3x larger, thanks to compound growth over extra years.
For retirement income planning, a common approach is withdrawing 4–5% of your RSA per year (programmed withdrawal). At a ₦50M RSA, this is ₦2–2.5M per year or ₦167k–208k per month.
Retirement Planner
Retirement countdown, gap analysis, and withdrawal plan simulator
Retirement Countdown
Retirement Gap Analysis
Post-Retirement Drawdown Simulator
Complete Pension Advisor
AVC impact, inflation-adjusted income, lump sum, and estate planning
Voluntary Contribution (AVC) Impact Simulator
See how adding extra voluntary contributions above the mandatory 18% dramatically grows your RSA.