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.
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.