Prudential Zenith Learn Hub

How to calculate your pension income gap in Nigeria

A retirement gap is the difference between expected reliable retirement income and the spending needed for the chosen lifestyle. It cannot be assumed to be a fixed percentage for every RSA holder.

What to check

Use current RSA statements, contribution history, projected pension, other assets, housing, health costs, dependants and inflation scenarios.

What could change the answer

A claim that pension will replace only a set share of salary is not universal. Projections and annuity options depend on individual data and regulation.

A practical next step

Request an updated pension projection, build a retirement budget and use insurance only for a clearly defined protection or income need.

Reviewed 2026-09-09