College vs Retirement
Save for the child, or save for yourself?
One budget, two goals. See how each split affects both.
Built and reviewed by LeadAfrik Research
Data-grounded analysis on African economies
Inputs
Family setup
Inputs
Costs and returns
Inputs
Your savings budget
Verdict
A balanced split — neither goal is fully funded, but both are protected.
59.2% of college covered • KSh 747.4K/yr in retirement
The retirement number assumes a level draw across the planned years (a useful first approximation, not a survival guarantee — see the Retirement Survival calculator for a stress test).
College pot
Funding the education
Total cost (future $)
KSh 8.56M
4 years of school
Saved by start of college
KSh 5.07M
Coverage
59.2%
Shortfall
KSh 3.49M
Retirement pot
The other goal
At retirement
KSh 22.42M
After 25 years of compounding
Annual spend supported
KSh 747.4K
Across 30 years
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