GoldNest: GH Pension Planner

GoldNest answers three questions every payday: are you on track, what is the single most useful move you can make this month, and what has changed since you last looked. It is built specifically around how retirement actually works in Ghana - SSNIT Tier 1, your Tier 2 mandatory scheme, and voluntary Tier 3 - and around how people here actually earn, whether that is a formal salary, informal income, or a student just starting out. Everything stays on your phone. There is no account to create, no server to sign in to, and no analytics of any kind. Nobody can see your income, your debts or your pension figures, because none of it is ever sent anywhere. The app works with no internet connection at all. WHAT YOU CAN DO Know where you stand One home screen tells you whether you are on track for the retirement income you want, and names the one thing worth doing next instead of leaving you to…