Current Position
Monthly Income
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All sources
Monthly Outflow
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All obligations
Monthly Surplus
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Available to redirect
Currently Invested
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T212 + IC + SSNIT
⚠ Critical — Act This Week
The GCB CFD (GH₵2,040) is at breakeven with zero tax liability. Overnight financing erodes it daily. Exit immediately and redirect GH₵1,000/mo to Trading 212.Asset Base
📊 The Foundation
Combined SSNIT (GH₵397,295) compounds at 12% p.a. without further action. The Provident Fund adds GH₵4,795/month combined for 7 more years.May 2026 Budget
Total Income
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Total Expenses
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Net Surplus
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After all obligations
Invested % of Income
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💡 Budget Optimisation
Edit or delete any line. Add new income or expenses with the buttons below. Every change flows live into the Scenario Planner.Income
| Item | Notes | GH₵ / month |
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Expenses
Filter:
| Item | Category | End / Notes | GH₵ / month |
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Budget Impact on Retirement
Monthly Surplus
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Annual Invested
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12-yr Growth of Surplus @9%
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Retirement Income Impact
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Asset Register — 13 May 2026
Total: —
💡 CFD Overnight Cost
CFDs charge 0.02–0.05%/day (7–18%/yr). The MTN position costs ~GH₵1,094–2,813/year in silent charges. Moving to real shares on T212 eliminates this entirely.SSNIT Foundation
Combined SSNIT Balance
GH₵397,295
Tier 2 + Past Credit · 12% p.a.
12-Year Projection
GH₵2,171,064
Requires only continued employment
📌 Most Important Unknown
12% vs 20% PF return = GH₵460,000 difference at age 60. Ask HR for declared rates 2023–2025 this week.Scenario Planner
Presets:
🔗 Live Link
This planner reads your live Budget and Asset totals. Changes in those tabs are reflected here automatically.📈 Return Assumptions
SSNIT growth rate (currently 12% assumed)
12.0%
Provident Fund actual return rate
20%
Trading 212 global equities return
9.0%
IC Wealth declared rate
10.1%
🏠 Rental & Spending
Rental property income (0 = none)
₵4,500
Retirement spending floor (GH₵/mo)
₵27,217
⏰ Obligation Timing
GCB loan ends (months from now)
13 mo
Sandra graduates (years from now)
2.0 yr
SSNIT pension estimate (GH₵/mo)
₵12,500
📊 Live Budget Snapshot
Monthly income: —
Monthly expenses: —
Surplus: —
Total assets: —
Monthly investments: —
Calculating…
Scenario Verdict
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Projected Retirement Income at 65 (2038)
Projected Monthly Income
GH₵39,213
Full plan incl. rental
Comfortable Target
GH₵35,000
Surplus: ~GH₵4,213/mo · GH₵50,556/yr
| Income Source | Monthly | Basis | Certainty |
|---|---|---|---|
| SSNIT Pension (from age 60) | 12,500 | 26+ yr contributions | High — statutory |
| SSNIT Tier 2 + Past Credit (5% drawdown) | 9,046 | GH₵2,171,064 projected corpus | High |
| T212 + IC Wealth (5% drawdown) | 8,000 | ~GH₵1.6M corpus at retirement | Moderate |
| PF Lump Sum (5% drawdown) | 5,167 | GH₵1,240,000 @ 20% return | Moderate — confirm rate |
| Rental Income (optional, 2029) | 4,500 | Conservative · Tema/Kasoa | Optional |
| Total (with rental) | 39,213 | ||
| Without rental | 34,713 | ||
Retirement Spending Floor
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✏ Click any name or amount to edit. Changes update the floor total and Scenario Planner automatically.
| Item | Monthly (GH₵) | Nature |
|---|
Pension Overlap Window 2033–2038
🔑 Most Valuable 5 Years
Both salary and SSNIT pension arrive simultaneously. Investing all GH₵12,500/mo pension adds GH₵800,000–1,000,000 to the corpus above all other contributions.| Year | Age | Salary | SSNIT Pension | Total | Living Costs | Investable |
|---|---|---|---|---|---|---|
| 2033 | 60 | 50,000 | 12,500 | 62,500 | 22,000 | 40,500 |
| 2034 | 61 | 51,000 | 12,500 | 63,500 | 22,000 | 41,500 |
| 2035 | 62 | 52,000 | 12,500 | 64,500 | 22,500 | 42,000 |
| 2036 | 63 | 53,000 | 12,500 | 65,500 | 22,500 | 43,000 |
| 2037–38 | 64–65 | 54,000 | 12,500 | 66,500 | 23,000 | 43,500 |
Obligation Exit Timeline
The Golden Rule
Every freed cedi must move to an investment account within the same calendar month — not into the current account, not into household spending.90-Day Action Plan
Priority Order
Six actions ordered by urgency. Tick each as completed.Reserve Building Targets
Emergency Fund
GH₵90,000
3 months expenses · 91-day T-bills · by 2027
Elder Medical Reserve
GH₵50,000
Hospitalisation · Money market · by 2028
Total Priority Reserves
GH₵140,000
T212 Composition
70% VWRA
30% CSPX
30% CSPX