How much of that will you still need once retired?
Most spending falls: no commute, no school fees, usually no mortgage. Our default is 25%, which assumes medical is pre-funded through a post-retirement medical fund, where contributions are tax-deductible to Ksh 15,000 a month and withdrawals for treatment are tax-free. If you are NOT doing that, or you support family who will not retire when you do, move this up.
For scale: the Retirement Benefits Authority targets 75% of final income, and Kenyan middle-income earners average about 43%. Because you are entering spending rather than income, the 25% you have chosen is roughly 19% of income — assuming you save about 25% of what you earn.
How much of the pot will you draw a year, after inflation?
A lower rate needs a biggerpot, not a smaller one — it is the slice you live on, so a thinner slice means a larger cake. At 4% the pot lasts roughly 30 years; at 2–3% it need never run out, which is what Kenyan real yields of 2–3% can support once today's unusually high rates normalise.
This is the quick version: one figure in, one out. For a fuller answer that prices medical cover separately — it keeps rising while everything else falls — use the retirement number tool. It asks for roughly 65% more, because it can see the medical bill this page cannot.
Ksh 0/mo now × 25% = Ksh 0/mo in retirement, drawn at 4% a year → Ksh 0. An estimate, not a promise.
An assumption, not a promise — bank savings sit low, money market funds and SACCO deposits typically higher. Check current rates before you commit.
For guidance only, not financial advice. Projections use your assumed return compounded monthly and ~6.5% annual inflation (Kenya CPI average); actual returns vary. Verify product terms and current rates with the institution before committing money.