Current Position
Monthly Income
—
All sources
Monthly Outflow
—
All obligations
Monthly Surplus
—
Available to redirect
Currently Invested
—
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
—
—
Total Expenses
—
—
Net Surplus
—
After all obligations
Invested % of Income
—
—
💡 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 |
|---|
Expenses
Filter:
| Item | Category | End / Notes | GH₵ / month |
|---|
Budget Impact on Retirement
Monthly Surplus
—
Annual Invested
—
12-yr Growth of Surplus @9%
—
Retirement Income Impact
—
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
Income Sources
| Income Source | Monthly | Basis | Certainty |
|---|
Retirement Spending Floor
—
✏ Click any name or amount to edit. Changes update the floor total and Scenario Planner automatically.
| Item | Monthly (GH₵) | Nature |
|---|
Projected Monthly Income
—
Full plan incl. rental
Comfortable Target
—
—
Spending Floor
—
Minimum monthly needs
Discretionary
—
Income above floor
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
Corpus Drawdown — Age 65 to 100 (2038–2073)
📌 What this models
This table shows how your invested corpus depletes over 35 years. The GH₵12,500/mo SSNIT statutory pension is excluded — it arrives separately and does not draw from this pot. Set the monthly withdrawal to what your corpus alone must fund (total spending target minus SSNIT pension).Starting Balance
—
Estimated corpus at 65
Monthly Withdrawal
—
Excl. GH₵12,500 SSNIT pension
Duration
35 years
Age 65 → 100
Adjust Parameters
Starting corpus (GH₵M)
5.0M
Monthly corpus withdrawal — net of SSNIT pension (GH₵)
₵22,500
Portfolio growth rate (p.a.)
7.0%
Inflation / withdrawal step-up (p.a.)
3.0%
Computing…
About This Planner
📋 How to Use
This is a personal financial planning tool built specifically for Emil M. Afenyo. All figures are live — editing any number in one tab flows through to every other tab automatically. Data is saved to your browser's local storage and survives page refreshes. Long-press the header for 2 seconds to reset all data to defaults.
Overview
Your financial snapshot at a glance
The four top cards show Monthly Income, Monthly Outflow, Surplus, and Currently Invested. These update live as you edit the Budget tab.
The bar chart shows all your assets ranked by size. Green bars are assets to keep; red bars are CFDs to exit.
The critical notice in red flags the GCB CFD position. It earns no return and costs overnight financing charges daily — exit it first.
This tab is read-only. Edit figures in Budget and Assets.
Budget
Your monthly cash flow — income and expenses
Click any name or amount in the income or expense table to edit it inline. Press Enter to confirm or Esc to cancel.
Use + Add Income and + Add Expenditure to add new rows. Use ✕ to delete a row.
Use the filter buttons (Household, Family, Investment, Debt, Personal) to view expense categories separately.
The Budget Impact on Retirement panel at the bottom shows how your current surplus, compounded at 9% over 12 years, translates into additional retirement income. Every GH₵1,000 freed today is worth significantly more at age 65.
The surplus figure flows directly into the Scenarios tab calculations.
Assets
Your investment register
Each asset shows its current value, annual growth rate, monthly contribution, and status (Keep / Exit / Optional).
Use + Add Asset to register a new investment. Use ✕ to remove one.
CFD positions (MTN, GCB) are marked Exit. They carry overnight financing costs of 0.02–0.05%/day — equivalent to 7–18% per year in silent charges — which erode gains without appearing as explicit deductions.
The SSNIT Foundation section below the register shows the combined Tier 2 + Past Credit balance and its 12-year projection. This is your most reliable asset — it compounds at 12% p.a. and requires no further action other than continued employment.
Asset totals feed directly into the Overview bar chart and the Scenario calculations.
Scenarios
Model different futures with adjustable assumptions
Use the sliders to change growth rate assumptions, rental income, retirement spending, loan exit timing, and more. The corpus estimate and verdict update instantly.
Use the Preset buttons to jump to named scenarios: Base Plan, Conservative, Optimistic, No Rental, Delayed Exits.
The Live Budget Snapshot box shows your current Budget tab figures — a reminder that the scenario is built on top of real numbers, not hypotheticals.
The Scenario Verdict tile at the bottom turns green (strong surplus), amber (tight but viable), or red (shortfall). The target is to be comfortably green under the Conservative preset.
The Corpus '38 Est. figure in the header is always driven by the current scenario settings and updates as you move sliders.
This tab does not change the Retirement income sources table — those are separate manually-entered figures.
Retirement
Your income and spending picture at age 65
The Income Sources table lists every retirement income stream. Add, delete, or click any figure to edit. The total flows into the four summary tiles below.
The Spending Floor table lists your minimum monthly needs in retirement. Edit any line. The floor total updates instantly and syncs with the Scenario spending slider.
The four summary tiles show: Projected Monthly Income · Comfortable Target · Spending Floor · Discretionary (income above the floor). These are the numbers to watch.
Comfortable Target is editable — click the figure in the table row and type your preferred number. It is not calculated; it is your personal judgment of what a good retirement costs.
The Pension Overlap Window 2033–2038 table shows the five years when both your salary and SSNIT pension arrive simultaneously. Investing the full GH₵12,500/mo pension during these five years adds an estimated GH₵800,000–1,000,000 to your corpus — this window is the single highest-leverage period in the entire plan.
Key distinction: the SSNIT pension (GH₵12,500/mo) is a statutory payment and does not draw from your invested corpus. Your corpus only needs to fund the gap between total spending and the pension.
Timeline
Obligation exit milestones and cash freed
Each milestone shows the year, what happens, and how much monthly cash is freed when that obligation ends.
Use + Add Milestone to record a custom event. Mark milestones as Upcoming, Resolved, Future, or Custom.
Use ✕ to delete a milestone you no longer need.
The Golden Rule (shown in the notice): every cedi freed by an ending obligation must move to an investment account within the same calendar month — not into current account spending.
The cumulative freed cash across all milestones represents the most controllable lever in the entire plan. Kevin's service ending, the GCB loan closing, Sandra graduating — together these free over GH₵8,000/mo that can be redirected to investments by 2028.
90-Day Plan
Six high-priority actions to execute now
Six actions are listed in priority order. Click the checkbox on the right of each item to mark it done. Completed items are struck through and saved.
Action 1 (Exit GCB CFD) is the most urgent — it costs money every day it remains open and generates no return.
Action 3 (Ask HR for PF rates) has an outsized impact: the difference between a 12% and 20% Provident Fund return is GH₵460,000 at age 60. This requires one conversation.
Action 4 (Visit SSNIT) should happen soon — errors in 26-year contribution records take years to resolve at retirement but days to fix now.
The Reserve Building Targets panel at the bottom shows the two cash buffers to build: a GH₵90,000 emergency fund (3 months expenses) and a GH₵50,000 elder medical reserve.
Drawdown
How long your corpus lasts from age 65 to 100
The starting corpus is automatically pulled from the Scenario tab's projection. You can override it with the slider for what-if analysis.
The monthly withdrawal is what your corpus must fund each month. This excludes the SSNIT pension (GH₵12,500/mo), which arrives separately as a statutory payment and does not draw from this pot.
To calculate your correct withdrawal: subtract the SSNIT pension from your total spending target. Example: GH₵32,000 target − GH₵12,500 SSNIT = GH₵19,500/mo from corpus. For the bare spending floor: GH₵27,217 − GH₵12,500 = GH₵14,717/mo.
The inflation step-up slider increases your withdrawal each year by the chosen rate, simulating the real cost of living rising over time. At 3%, your GH₵19,500 withdrawal becomes ~GH₵46,000/mo by year 35 — but so does the interest your corpus earns.
The ending balance column turns green when healthy, amber when below 30% of starting corpus, and red when depleted. The notice at the top tells you whether the portfolio survives to age 100.
Click View All 35 Years to see the complete table through to age 100.
💾 Data & Privacy
All data lives entirely in your browser's local storage. Nothing is sent to any server. Clearing your browser data will erase the planner — export or screenshot important figures before doing so. Long-press the page header for 2 seconds to reset everything to factory defaults.