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Plan, join and manage your pension.

Kenbright’s retirement calculators, the Kenbright Individual Provident Fund application and your member account, in one place.

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Pensions

Net Replacement Ratio

See how much of your final salary your pension could replace. Adjust salary, contributions and investment assumptions and watch the estimate change.

How a replacement ratio is formedA line shows salary rising through a working life to a final salary at retirement. After retirement a lower, level line shows pension income. A bar compares the two: the pension income as a share of final salary.
Replacement ratio is your annual pension as a share of your final pensionable salary, before tax. The calculator estimates it for defined-contribution schemes, from assumptions you set.
  • Free to use
  • No sign-up
  • Your inputs stay in your browser

Estimates are illustrations based on the assumptions you enter. They are not financial advice and not a guarantee of future income.

Also from Kenbright

  • Kenbright Individual Provident Fund

    KIPF Pension Calculator

    Plan your retirement savings with KIPF, from your age, your retirement age, an interest rate and any benefits you are transferring in.

    Reach a goal
    The monthly contribution that gets you to a goal amount by retirement.
    Project my savings
    What your savings could grow into by the time you retire.
    Open the KIPF calculator (opens pensioncalculator.kenbright.africa)

    Opens pensioncalculator.kenbright.africa

    How savings reach a retirement goalSmall, regular monthly contributions sit along the bottom of the drawing. Above them, a savings balance rises slowly at first and faster later, until it meets a dashed line for the goal amount at retirement.

More Kenbright tools are in preparation. They will appear here once they have been specified, tested and reviewed.

Kenbright Individual Provident Fund

How joining works

Start your application

  1. Apply online

    A guided four-step form for Kenyan residents aged 18 or over. About five minutes.

  2. Make your first contribution

    Pay by M-PESA Paybill or bank transfer, using the details shown when you apply.

  3. Create your member profile

    Add your KRA PIN, a copy of your ID and your beneficiaries.

An empty meeting room in early light: a timber table with a squared stack of working papers and a notebook, window shadows across a plaster wall.

Built by Kenbright

Each calculator starts as a method from Kenbright’s actuarial and pensions work, and is specified and tested before it is published here. The Net Replacement Ratio, for example, is checked against the actuarial reference workbook it was built from.

Assumptions in the open
Every input that moves a result is visible, and you can change it.
Estimates, not advice
Results show what your assumptions imply. They do not recommend a product.
No account to calculate
The calculators need no sign-up. An account is only for KIPF members.