Voluntary pension

Contribute to your pension on your terms

Whether you're self-employed or freelance, voluntary contributions help you secure the future you want.

Start contributing

What fits you?

Who can contribute to voluntary pension?

Already with Imisanzu?

If you were previously part of the mandatory pension scheme and can no longer contribute through an employer, but are not yet 55, you can continue building your pension voluntarily.

What you need to know

Voluntary salary

The salary amount you choose as the basis for your contributions.

Monthly contribution rate

12% of your chosen voluntary salary.

Payment frequency

You can contribute monthly, but monthly contributions are not mandatory.

Flexibility

You can adjust your voluntary salary every month.

Increase limit

Your salary cannot increase by more than 30% within three years.

If previously in mandatory scheme

If you previously contributed under the mandatory scheme, your contribution history remains part of your pension record.

Impact of skipping contributions

Skipping contributions can reduce your future pension benefits.

Hear from our members

See what our members have to say about their experience.

Our members' stories

Here's what people say about using Imisanzu—real moments and real experiences.

“Now I know where my contributions go.”

Before, I never really checked my contributions. With Imisanzu I can quickly log in and see everything. It’s simple and reassuring.

David Mugisha

Active Contributor

“My pension details are easy to find.”

What I like about Imisanzu is that my pension information is easy to find. Even when I’m at home, I can confirm everything is in order.

Beatrice Mukamana

Old Age Pensioner

“It gave me clarity when I needed it most.”

When my husband passed away, there were many things to understand. Imisanzu helped me clearly see my survivor pension details.

Claudine Uwimana

Survivor Pension

“Easy access makes life easier.”

Because I could no longer work, my pension became very important. Through Imisanzu, I can easily check my information whenever I need it.

Jean Baptiste Ndayisaba

Invalidity Pensioner

Frequently asked questions

Find quick answers to common questions about contributions, benefits, and account management.

How is pension calculated from salary?

Under the mandatory pension scheme, contribution rates are 6% of gross salary paid by the employer and 6% paid by the employee.

Can I withdraw all my pension contributions now?

Pension contributions can only be accessed at retirement age (60), or at 55 in case of early old age retirement. If an employee has contributed for 15 years or more, benefits are paid monthly rather than as a lump sum.

If my employment ends, can I continue contributing on my own?

Yes. You may join the voluntary pension scheme if you are not enrolled in any other pension scheme. If eligible, please fill in this form and submit it to the nearest RSSB branch.

How is Ejo Heza different from the RSSB Pension Scheme?

The RSSB Pension Scheme is a compulsory defined-benefit scheme available to people employed in public or private sector enterprises. Ejo Heza is a voluntary, government-sponsored scheme available to all citizens of Rwanda. For more information, please visit here.