SSNIT pensions: Top retiree earns over GH¢200k as lowest takes home GH¢514

Ghana’s pension landscape is drawing attention once again as the 2025 Monthly Pension League Table released by the Social Security and National Insurance Trust (SSNIT) exposes a striking gulf in retirement incomes.

At one extreme, the country’s highest-paid pensioner now receives GH¢201,792.37 a month, while at the other, the lowest-paid pensioner takes home just GH¢514.41.

The difference is staggering: the top pension payout is nearly 392 times larger than the smallest. And while the disparity in absolute terms is glaring, the latest indexation reveals another contrast — low-income pensioners enjoyed increases of more than 25 percent, compared to just about 8 percent for those at the top.

For instance, the highest pension moved from GH¢186,777.58 in December 2024 to GH¢201,792.37 in January 2025, while the lowest grew from GH¢409.10 to GH¢514.41.

The published tables list the ten highest and ten lowest pension earners under both Act 766 and PNDC Law 247, with the top tier ranging between GH¢58,031.91 and GH¢201,792.37, and the bottom bracket spanning GH¢514.41 to GH¢669.54.

These figures not only highlight how pensions mirror contributors’ pre-retirement earnings but also sharpen the debate over income inequality, sustainability, and the adequacy of benefits in shielding retirees from rising living costs.

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