Ghana’s pension system is once again under the spotlight following the release of the 2025 Monthly Pension League Table by the Social Security and National Insurance Trust (SSNIT), which reveals a staggering gap between the country’s top and bottom pension earners.
According to the data, the highest-paid pensioner currently takes home GH¢201,792.37 per month, while the lowest-paid receives just GH¢514.41. This means the top pension is nearly 392 times greater than the lowest payout.
The indexation adjustments introduced in January 2025 also reflect the uneven nature of increases. Pensioners at the lower end of the scale saw increments of more than 25 percent, while those at the top recorded increases of about 8 percent. For example, the highest pension rose from GH¢186,777.58 in December 2024 to GH¢201,792.37 in January 2025, while the lowest moved from GH¢409.10 to GH¢514.41.
The published tables outline the ten highest and ten lowest pension earners under both Act 766 and PNDC Law 247, with the top-tier payouts ranging between GH¢58,031.91 and GH¢201,792.37, and the lowest bracket spanning GH¢514.41 to GH¢669.54.
While the figures reflect how pensions are directly tied to contributors’ pre-retirement earnings, they also sharpen ongoing debates about income inequality, sustainability of the pension scheme, and the adequacy of benefits in cushioning retirees against the rising cost of living.
