Rwanda RSSB Pension & Retirement Benefits Calculator

The statutory normal retirement age is 60 years under Law Nº 05/2015. Insured employees certified by an approved medical board as experiencing premature physical or mental aging due to hazardous or arduous working conditions may qualify for early retirement at age 55.

For the statutory minimum 15 years (180 months) of insured contributions, the contributor receives 30% of their reference monthly earnings (average of best 3 or 5 years). Each additional full year of contributions increases the replacement rate by 2%, up to a legal ceiling of 70%.

Contributors who do not satisfy the 180-month threshold at retirement age are not entitled to a monthly life pension. Instead, RSSB pays an Old-Age Lump-Sum Grant (Allocation de vieillesse) equal to the average monthly wage multiplied by the number of years insured.

In the event of the pensioner's death, the legal surviving spouse receives a survivor pension of 50% of the deceased's pension entitlement, while each dependent biological orphan under 18 (or 25 if pursuing university studies) receives 25%, capped at 100% total.

RSSB Pension is a mandatory defined-benefit scheme for formal public and private sector employees funded by an 8% payroll levy (3% employee, 5% employer). EjoHeza is a voluntary defined-contribution scheme open to all Rwandan citizens, particularly the informal sector, featuring government co-contributions.