Business Apostle Retirement Calculator
Estimate the income your retirement may require.
Work out what your retirement is likely to cost each month, how much of that your pension, property, business and other income may already cover, and the gap between the two. Then see what closing that gap would take — and what happens if you change the plan instead.
- Free to use
- Takes about 5–8 minutes
- No bank or RSA login required
- Your figures stay in this browser session
How it works
- Choose how much detail you want. A quick estimate from your income, or a full retirement budget built category by category.
- Enter what you have and what you expect. Pension and RSA balances, contributions, rent, business income, part-time work — each with its own timing.
- Confirm the assumptions. Returns, fees and inflation are yours to set. Every figure on the results screen depends on them.
- Read the gap, then test the levers. Retirement age, spending, contributions and returns, in the Scenario Lab.
- Keep a copy. A private report to print or save as PDF, a year-by-year CSV, and a share card that carries none of your figures.
Nothing you type is saved anywhere. Refreshing or closing this tab clears your plan.
Step 1
Choose your planning route
Both routes use exactly the same projection engine and the same assumptions screen. The quick route starts you with an estimated budget you can edit; the detailed route starts with your actual costs.
Step
About you and your timing
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Your retirement budget
Monthly costs in today's money, as if retirement started this month. The projection inflates them to the year each cost actually falls.
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What you have set aside
Add each pot separately, with where the figure came from. Property and business value are treated differently from cash and pensions — see the note below.
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What goes in each month
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Other retirement income
Every income you expect after retiring, each with its own start age, end age and inflation treatment. Amounts in today's money.
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The assumptions behind every figure
These are illustrative starting points from model version BA_RC_1_0. They are not forecasts, and they are not claims about Nigerian inflation or investment returns. Change them to what you believe.
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Check your plan before it is calculated
These need fixing before results can be shown
Add more detail
Your quick estimate seeded these screens. Opening any of them makes the result more reliable.
Results
Your retirement income estimate
Scenario Lab
Test the levers
These controls change My Plan only. Conservative and Expected stay as they are, so you can always see what moved. Every slider has a number box beside it that does exactly the same thing.
Scenario comparison
Report
Your private report
Printing opens your browser's print dialogue. Choose "Save as PDF" as the destination to keep a copy. Navigation, form controls and this hint are hidden from the printed page.
Share card
A picture you can post. By default it carries no figures at all — no ages, balances, income, contributions, spending, funding ratio, gap or provider names. What you see in the preview is exactly what downloads.