Build a Retirement Income You Can Rely On

Retirement planning is not just about saving — it’s about building an investment base that can support your lifestyle when regular work income reduces.

With consistent investing and disciplined long-term growth, you can create a retirement fund that helps protect your dignity, your health choices, and your independence later in life.

Rubiani’s approach keeps the plan clear: invest consistently, allow compounding to work over time, and estimate what monthly retirement income your fund could support.

Retirement planning

Why this product works

Long-Term Security
Build a reserve that supports your lifestyle later in life.

Clear, Structured Plan
A simple approach built around consistency and time.

Compounding Growth
Your balance grows as returns accumulate over the years.

Income Planning
Estimate what monthly retirement income your fund could support.



Who is this for?

The Retirement Builder is designed for individuals who want a structured and disciplined approach to preparing for life after active work.

  • Professionals planning 10–25 years ahead
  • Business owners building long-term financial security
  • Mid-career earners who want clarity on retirement income
  • Individuals seeking financial independence later in life

It may not be suitable for short-term investing or high-risk strategies.


What could this look like in practice?

Illustration:

If you invest KES 30,000 per month for 10 years, your fund could grow to approximately KES 6,850,000.

Based on our current projection assumptions, that could support a retirement income of about KES 85,000 per month.

This is a projection for planning purposes — not a guarantee. Use the calculator below to test different amounts and timelines.


How it works

Step 1: Invest consistently
Pick a monthly amount you can sustain over time.

Step 2: Allow compounding to work
Your investment base grows as returns accumulate.

Step 3: Plan your retirement income
Estimate the monthly income your fund could support.


Estimate Your Retirement Plan

Adjust the inputs to see a projected path toward your retirement income goal.

Rubiani Retirement Calculator


Optional Retirement Enhancements

The ABC of Passive Income

Prefer full-screen? Open the calculator.


Designed for clarity

We keep assumptions visible and the plan structured—so you understand what drives the projection.

Important note

Projections are illustrations, not guarantees. Investing involves risk and returns may vary over time.


Frequently Asked Questions

1. Is this guaranteed?
No. It is a planning projection. Actual outcomes depend on returns and contribution consistency.

2. Can I adjust contributions later?
Yes. The plan is designed to be flexible, though changes can affect results.

3. What return rate is used?
An assumed rate is used for illustration. This can be updated as market conditions change.

4. What if I stop contributions?
Your fund may still grow, but reaching your target income may take longer.

5. Who is this best for?
People who want a disciplined, long-term approach to retirement planning.


Start building your retirement plan

Use the calculator, choose a sustainable monthly amount, and build a plan you can maintain over time.