Free · Anonymous · Built for Kenya 🇰🇪
Jipange kabla pesa ikupange.
Every shilling deserves a plan. Let's build yours.
JiPange brings together the latest figures from the Central Bank, KNBS and Kenya's regulators, and turns them into a clear, personal next step — for your salary, your savings and your family's goals. Every number is dated and sourced, so you can plan with confidence.
T-bills, after tax · CBK auction 15 Oct
7.65%
91-day
CBK rate 8.75%
7.67%
182-day
CBK rate 8.86%
7.68%
364-day
CBK rate 9.04%
Market pulse
- 364-day Treasury bill, after taxCBK auction of 15 Oct 2026, via Mwangaza Yield
- 7.68%
- Inflation, year on yearCBK, 30 Sept 2026
- 6.8%
- Central Bank RateCBK, set 7 Oct 2026
- 8.75%
Information first
Kenya's money, this month
Good decisions start with good numbers. Every figure below comes straight from the institution that publishes it, carries its date, and feeds the same calculators you use — so what you read here is what you plan with. Right now, the best-paying Treasury bill grows savings by about 0.8% a year after tax and inflation.
Latest readings
7.68%
364-day Treasury bill, after tax
The best-paying rung at the latest auction — open to individual investors through DhowCSD.
CBK auction of 15 Oct 2026, via Mwangaza Yield
6.8%
Inflation, year on year
The rate your savings need to beat just to keep their value.
CBK, 30 Sept 2026
8.75%
Central Bank Rate
Sets the direction for what banks charge on loans and pay on deposits.
CBK, set 7 Oct 2026
129.81
Shillings per US dollar
Moves the price of fuel, imports and school fees paid abroad.
CBK indicative, 15 Oct 2026
The year in banking — Central Bank of Kenya, December 2025
7.13%
Average bank deposit rate
About 6.06% after tax — a benchmark to compare your own account against.
CBK Bank Supervision Annual Report 2025, Dec 2025
14.82%
Average bank lending rate
Useful to know before you sign — banks now publish theirs on the Total Cost of Credit site.
CBK Bank Supervision Annual Report 2025, Dec 2025
13.5%
Average mortgage rate
Down from 15.2% a year earlier — the price of a home loan is easing.
CBK Bank Supervision Annual Report 2025, mortgage survey
51.4M
Mobile money subscriptions
Access is nearly universal. The next step is using it to build, not only to spend.
CBK Bank Supervision Annual Report 2025, Table 8
Start with one win
What do you want your money to do better?
Where Kenyans stand — in three numbers
The opportunity in front of us, measured
6.06%
Average bank deposit rate, after tax
With inflation at 6.8%, the average deposit falls slightly short of it after tax. For savings you will not need this month, a better-paying home can turn that around.
CBK Bank Supervision Annual Report 2025 (Dec 2025, 7.13% before tax) · CBK, 30 Sept 2026, via Mwangaza Yield
Run the inflation maths →9.04%
Money market fund return we assume, before tax
The same shillings, in a better-paying home. Of Ksh 6.52 trillion in bank deposits, Ksh 442.2 billion (6.8%) has so far found its way into money market funds — plenty of room to grow.
Capital Markets Authority — Collective Investment Schemes Quarterly Report, quarter ended 31 March 2026 · Central Bank of Kenya — Banking sector deposits, four months to April 2026 · MMF rate assumed from the latest 91-day bill
See the compounding →17.7M
Kenyans who used Fuliza in a year
Ksh 1.46 trillion borrowed — about Ksh 82,486 per borrower across the year. Short-term credit is a useful bridge; knowing its true cost, and building a small buffer, makes the next month lighter.
Safaricom PLC FY2026 Annual Results
See Fuliza's true cost →The evidenceThe research behind JiPange’s Kenya-first approach
Research findings
The problem is structural, not personal
These are system-wide gaps, not individual failings — and each one can be navigated with the right information at the right moment.
81%
of Kenya's workforce has no active pension contribution
19% of working Kenyans actively contribute to a pension scheme. Of recent retirees, 32.2% say their retirement income covers their daily needs and 67.8% say it does not — which is why starting early, even small, matters so much.
Retirement Benefits Authority — Pensioners Survey 2024 (427 recent retirees)
26.5%
of working-age Kenyans are enrolled in any retirement scheme at all
And enrolled is not the same as paying in — that figure counts dormant members too, which is why 81% make no active contribution. Side hustles, chamas, small businesses: 18.1 million Kenyans in the informal sector are building their livelihoods with almost no formal retirement safety net.
Retirement Benefits Authority — industry brief, half-year to June 2025 · KNBS Economic Survey
84.8%
of Kenyans have access to formal financial services
Financial inclusion has never been higher — digital finance has narrowed the gap between women's and men's formal access to 1.6 percentage points, from 4.2 in 2021, and mobile money subscriptions reached 51.4 million by December 2025. Access is not the problem. What Kenyans do with that access is where the gap persists.
FinAccess Household Survey 2024 — CBK / FSD Kenya / KNBS · CBK Bank Supervision Annual Report 2025, Table 8
42.1%
of Kenyans passed all 3 financial literacy questions
The questions covered inflation, interest rates and risk diversification. For the 57.9% who found them hard, clear explanations and worked examples make a real difference — and that is exactly what JiPange is built to provide.
FinAccess Household Survey 2024 — CBK / FSD Kenya / KNBS
“Kenyans work hard for every shilling.
With a clear plan, those shillings can work just as hard in return.”
You earn a salary. PAYE, NSSF, SHIF and Housing Levy leave before you touch it. Rent on the first. School fees in January, April, September. Fuliza at the end of the month when the calculation doesn't balance. A Sacco loan you're guaranteeing for three colleagues. Your financial life is genuinely complex, and it deserves tools that understand it.
JiPange is built for this reality. Every number is grounded in Kenya's actual tax bands, each week's Treasury bill auction results, the NSSF Act 2013 phased rollout, SHIF contributions and Sacco mechanics — not a spreadsheet from somewhere else with a Ksh sign added.
No black box. No selling. No accounts.
JiPange shows you the maths, names the vehicle, and hands you the M-Pesa paybill. The rest is yours.
📱 Understanding mobile credit
≈365%
Fuliza's cost, expressed as an annual rate
Ksh 6.00/day on Ksh 600 is easy to overlook. Expressed as an annual rate, it is one of the costliest ways to borrow — worth knowing whenever a cheaper option is within reach. Kenyans borrowed Ksh 1.46 trillion through Fuliza in the year to March 2026.
Digital lending is growing fast too. The 195 digital lenders CBK licenses were owed Ksh 110.1 billion in December 2025 — nearly double a year earlier — across 6.74 million loans averaging about Ksh 16,300.
Safaricom PLC FY2026 Annual Results · CBK Bank Supervision Annual Report 2025, §3.24
💡 The opportunity
Ksh 6.52T
in bank deposits, where the average rate after tax trails inflation
Only Ksh 442.2 billion sits in money market funds, which we assume earn about 9.04% against the average bank deposit's 7.13%. After tax on both, Ksh 100,000 over 5 years comes out about Ksh 10,600 ahead in the fund — and more against a savings account paying below the average.
Capital Markets Authority — Collective Investment Schemes Quarterly Report, quarter ended 31 March 2026 · CBK Bank Supervision Annual Report 2025, §3.7 · MMF yield assumed from the latest 91-day bill
The process
From “pesa inaisha” to a plan — in three steps
No spreadsheets. No financial jargon. No signup. Just the honest picture and the next move.
Tap 5 answers
Anonymous, zero typing. Your life stage, income zone, and one financial priority — that's all we need to build something specific to you. 90 seconds, on any phone.
See your Pesa Picture
Your survival runway, where inflation is eroding your money, your real PAYE breakdown, and the exact cost of every silent leak — in one honest, Kenya-specific screen.
Get your action plan
The exact vehicle — MMF, Sacco, DhowCSD T-Bill — the monthly milestone, and the M-Pesa paybill to start today. Not next month. Today.
Self-serve calculators
Start with a quick win
Take-Home Pay
Exact net: PAYE, NSSF, SHIF & Housing Levy
Investment Returns
MMF vs bank vs T-Bill — see the compounding gap
Money Runway
How long your savings survive a job loss
Sacco Guarantor Shield
Your real unencumbered borrowing power
KPLC Token Checker
Your real cost per unit, from your own receipt
True Cost of Fuliza
What Ksh 6.00/day really costs you annually
Goal planners
Working toward something specific?
Six planners that reverse-engineer exactly what you need to do this month to hit your goal — whether it's school fees next term, a plot, or a retirement that doesn't disappoint.
Each planner accounts for Kenya inflation, Sacco mechanics, and the actual savings vehicles available to you — not a generic compound-interest graph built for a different country.
Your honest Pesa Picture. 90 seconds away.
No black box. No selling. No accounts. Just the maths, the vehicle, and the paybill to start. The rest is yours.
Start my plan — it's free ›Sources: FinAccess Household Survey 2024 (CBK/FSD Kenya/KNBS) · RBA Pensioners Survey 2024 and industry brief to June 2025 · KNBS Economic Survey · Capital Markets Authority — Collective Investment Schemes Quarterly Report, quarter ended 31 March 2026 · Safaricom FY2026 Annual Report · CBK Bank Supervision Annual Report 2025 · inflation: CBK, 30 Sept 2026, via Mwangaza Yield.