NSSF (National Social Security Fund) now has an online portal where you can check your savings and contributions anytime. This guide shows you exactly how to access your statement.
What is NSSF Member Portal?
NSSF Member Portal is a website where you can see your retirement savings. Check how much you have contributed over the years. View your current balance and interest earned. Download your statement for free. Update your contact details. All these without visiting an NSSF office.
Who Can Use the Portal?
Anyone with an NSSF account. Both employed and self-employed members. People who stopped working but have NSSF savings. Retirees wanting to check their balances. You just need your NSSF number to get started.
What You Need Before Starting
NSSF membership number—it’s on your card. National ID number. Active phone number. Email address. Internet connection. Computer or smartphone with web browser.
Example: Your NSSF number looks like: 123456 or might start with letters like KE123456.
Step 1: Visit NSSF Website
Open your web browser on phone or computer. Type www.nssf.or.ke in the address bar. Press Enter and wait for page to load. You’ll see the NSSF homepage with blue colors. Look for navigation menu at the top.
Example: Make sure the website address shows exactly “nssf.or.ke”—don’t use other websites claiming to be NSSF.
Step 2: Find Member Portal
Look at the top menu of the homepage. Find a link that says “Member Portal” or “Member Services”. Click on it once. If you don’t see it, scroll down the homepage. There should be a section for “Online Services” with portal link.
Example: The link might be labeled “Access Your Account” or “View Statement”.
Step 3: Click Register (First Time Users)
The login page will open. You’ll see boxes for username and password. If this is your first time, don’t try to log in yet. Look for a button or link saying “Register” or “New User”. Click on it to start registration.
Example: If you already registered before, skip to Step 9 and just log in with your existing details.
Step 4: Enter Your NSSF Number
On the registration form, find the box labeled “NSSF Number”. Type your membership number carefully. Use only the numbers and letters shown on your NSSF card. No spaces or dashes unless shown on your card. Double-check it’s correct.
Example: If your card shows 1234567, type 1234567.
Step 5: Enter Your ID Number
Find the box for “ID Number” or “National ID”. Type your national ID number. Use numbers only, no spaces. Make sure it matches the ID you registered with NSSF. This is important for verification.
Example: If your ID is 12345678, enter 12345678.
Step 6: Provide Contact Details
Enter your active phone number in the phone box. Format: 0712345678 or +254712345678. Type your email address carefully in the email box. This email will receive important notifications. Check for typos before continuing.
Example:
- Phone: 0722123456
- Email: john.kamau@gmail.com
Step 7: Create Username and Password
Think of a username you’ll remember easily. Type it in the “Username” box. Usually 6-15 characters. Create a strong password with at least 8 characters. Mix capital letters, small letters, numbers, and symbols. Type the same password again in “Confirm Password”.
Example:
- Username: johnk2026
- Password: Nssf@2026
Step 8: Submit Registration
Scroll down to the bottom of the form. Check that all details are correct. Tick the box to agree to terms and conditions. Complete any security check shown (CAPTCHA). Click “Submit” or “Register” button. Wait for the system to process—don’t click again.
Example: You might see a message saying “Registration successful” or receive an SMS with confirmation code.
Step 9: Verify Your Registration
Check your phone for SMS from NSSF. The message contains a verification code. Go back to the website. Enter the code in the verification box shown. Click “Verify” or “Confirm”. Your account is now active.
Example: SMS might say: “Your NSSF verification code is 789456”. Enter 789456 on the website.
Step 10: Log In to Portal
After verification, go to the login page. Enter your username in the username box. Enter your password in the password box. Click “Login” or “Sign In” button. Wait for your account to load.
Example: Username: johnk2026 Password: (the one you created)
Step 11: View Your Dashboard
You’re now inside your NSSF member portal. The dashboard shows an overview of your account. You’ll see your name and membership details. Look for menu items on the screen. Common options include “Statement”, “Balance”, “Contributions”.
Step 12: Click View Statement
Find and click on “View Statement” or “Account Statement”. A new page will open showing your contribution history. You’ll see a table with all your contributions. The page might take a few seconds to load all data.
Example: The menu might also say “Contribution History” or “Account Details”.
Step 13: Read Your Statement
The statement shows important columns of information. Contribution Date: when money was paid. Amount: how much was contributed. Employer Name: who paid (if employed). Interest Earned: extra money from savings. Running Balance: your total savings so far.
Example: Sample entry:
- Date: Dec 2025
- Amount: KES 1,200
- Balance: KES 50,000
Step 14: Check Your Total Balance
Look at the top of the statement page. You’ll see your current total balance. This is all your contributions plus interest earned. The balance shows your retirement savings to date. Higher balance means more money when you retire.
Example: Total Balance: KES 85,000 means you have saved KES 85,000 in your NSSF account.
Step 15: Select Statement Period
Look for date filters or dropdown menus. You can choose which period to view. Options might include “Last 6 months”, “Last year”, or “All time”. Select the period you need. Click “Generate” or “View” to see that period’s statement.
Example: To see everything, select “From: January 2015” “To: December 2025” or click “Full Statement”.
Step 16: Download Statement
Find the “Download” or “Print” button on the page. Click it once. Choose the format—usually PDF. The file will download to your device. Wait for download to complete. Find the file in your downloads folder.
Example: The file might be named “NSSF_Statement_123456.pdf” with your number.
Step 17: Save or Print Statement
Open the downloaded PDF file. Verify all information is correct. Save it to a secure folder on your device. You can print it if you have a printer. Keep copies for your records. Use it when needed for loans, visa applications, or personal tracking.
Understanding Your Statement Components
Employee Contribution: Money deducted from your salary (usually 6% of salary).
Employer Contribution: Money your employer adds (another 6% of your salary).
Voluntary Contribution: Extra money you chose to add yourself.
Interest: Earnings on your savings—NSSF invests your money and shares profits.
Total Balance: Everything combined—all contributions plus accumulated interest.
Common Problems and Solutions
Can’t register: Make sure NSSF number and ID match their records. Visit NSSF office to update details if there’s a mismatch. Use the phone number registered with NSSF.
Forgot password: Click “Forgot Password” on login page. Enter your username or NSSF number. Follow instructions sent to your email or phone. Create new password.
Statement not loading: Refresh the page and try again. Clear your browser cache. Try a different browser (Chrome, Firefox, Safari). Check your internet connection.
Balance seems wrong: Contributions take 1-2 months to reflect. Your employer must remit before it shows. Contact NSSF if amounts are missing.
Download not working: Try right-clicking download button and select “Save as”. Ensure you have PDF reader installed. Try from computer instead of phone.
Other Portal Features You Can Use
Update personal details: Change your phone number, email, or address.
View contribution history: See year-by-year breakdown of savings.
Check employer compliance: Verify your employer is paying your contributions.
Calculate retirement benefits: Use calculator to estimate pension amount.
Submit inquiries: Ask questions or report problems through portal.
Important Tips
Check your statement every 3 months to verify contributions. Make sure your employer is deducting and remitting your money. Keep proof of all voluntary contributions you make. Note down your highest balance for loan applications. Download statements regularly and save copies. If employed, confirm amounts match your salary deductions. Report any missing contributions immediately.
When You Can Withdraw NSSF Money
Age 50 or above if you stopped working. Age 60 for retirement withdrawal. Permanently leaving Kenya. Becoming permanently incapacitated. In case of death, beneficiaries can claim. You cannot withdraw while still working and under 50.
NSSF Contact Information
If you have problems with the portal, contact NSSF. Call their hotline: 020-299-5000. Email: customerservice@nssf.or.ke. Visit any NSSF office—Nairobi headquarters is on Bishop Road. Check working hours before visiting. Huduma Centres can also help with basic inquiries.
How to Make Voluntary Contributions
Log into the portal and select “Make Payment”. Choose payment amount and method. Pay via Mpesa, bank, or at NSSF offices. Paybill for Mpesa: 222222. Account Number: Your NSSF membership number. Voluntary contributions increase your retirement savings faster.
The NSSF member portal puts your retirement savings information at your fingertips. No more long waits at offices just to get a statement. Check regularly to ensure your money is growing safely for your future.