A future that moves with your income
Build your future income wherever you earn.
Your work may change, but the future you want can keep moving forward. Whether you freelance, create, consult, drive, sell or run your own business, explore how part of what you earn today could become income for Future You.
Takes about 2 minutes. No account or payment required.
RaaS Co. is currently in development. The calculator provides illustrative planning scenarios and does not open a pension account or move money.
Work has changed. Future planning should too.
Your income may not arrive like a salary. Your future shouldn't depend on one.
Traditional employees can build toward retirement through payroll. Independent earners may get paid by clients, platforms, commissions, projects or business settlements — sometimes from several places in the same month. Your plan should make sense of every way you earn.
Traditional employees can have
- Income
- Payroll
- Pension contribution
- Future income
Independent earners often have
- Income
- Bank / wallet
- Spending
- The missing layer RaaS Co. is exploring
- Freelance
- Project income
- Create
- Platform payouts
- Drive / deliver
- Weekly earnings
- Consult
- Client payments
- Sell online
- Store settlements
- Run a business
- Owner income
What could your future income look like?
Answer a few questions to see how the percentage you choose could build monthly income for Future You — and what may help close the gap to your goal.
Your income isn't always the same. What you put toward your future can move with it.
Instead of forcing every independent earner into the same fixed monthly pattern, we're exploring a simple rule:
“Put 5% of what I earn toward my future.”
You earn more
Your contribution can rise with your income.
Earn ₦900,000 → ₦45,000 toward your future
You earn less
Your contribution can fall with your income.
Earn ₦300,000 → ₦15,000 toward your future
Income pauses
No fake salary assumption. Your plan should reflect reality.
No income this period → nothing assumed, nothing owed
One future. Wherever you earn.
Your work can change. Your future shouldn't restart.
Today you may freelance. Tomorrow you may create, consult, drive, run a business or work full-time. RaaS Co. is being designed around one portable retirement identity that can follow you across the places you earn.
Know what your money is building — not just what your balance is.
A pension balance can be difficult to picture as real life. Future Salary translates your progress into something more meaningful: the approximate monthly income your current plan could support for Future You.
Future Salary
₦42,000/ month
Illustrative. Based on planning assumptions that can change over time.
Example only — built so far toward a target. Your own scenario appears in the calculator above.
Make a distant future feel visible today.
Work because you want to — not because you have to.
- Future Score
- See how your current plan compares with the target you set.
- Milestones
- Recognise meaningful retirement progress — not screen time.
- Consistency
- Track the earning periods in which you paid your future self.
- What-if planning
- See how 3%, 5%, 7% or 10% could change your future scenario.
No points, coins or leaderboards. A quiet month is never a broken streak.
Designed around regulated retirement infrastructure
Your retirement assets shouldn't live in a startup wallet.
RaaS Co. is designed as the experience layer connecting independent earners and earning platforms with Nigeria's regulated pension ecosystem. Under the current Personal Pension Plan framework, eligible contributors maintain a Retirement Savings Account with a licensed Pension Fund Administrator and contribute through approved banking and digital channels.
Learn about Nigeria's Personal Pension Plan (opens in a new tab)- RaaS Co. is in development. Nothing on this site opens an account or moves money.
- Retirement assets are intended to sit with regulated pension institutions — not with RaaS Co.
- The calculator is an illustrative planning scenario, not a forecast.
However you earn
Your work can change. Your future can keep building.
One clear way to see how today's income could support the life you want later — across projects, payouts, clients, gigs and businesses.
Freelancers
Projects change. Your future can keep building.
Creators
Turn part of each payout into future progress.
Consultants
Build your future beyond employer payroll.
Gig workers
Turn variable earnings into visible future progress.
Online sellers
Connect future planning to how you actually earn.
Business owners
Build your own future alongside the business you're growing.
Your questions, answered
See what your next step could make possible.
Clear answers about the outcome, the approach and what your money could build over time.
Take the next step toward the future you pictured.
Join early access to keep your place, help shape an experience built around how you earn and be among the first invited to explore what comes next.
See your illustrative Future Salary first