Investment Returns Calculator

Project how a lump sum and monthly contributions could grow over time.

Starting lump sum (Ksh)

Ksh

Monthly contribution (Ksh)

Ksh

Drag to explore instantlyKsh 0/mo

Expected annual return

Investment period (years)

Increase contribution each year (as income grows)+0%/yr

📖 How this works — 30-second tutorial

Enter what you have now and what you can add monthly.
Pick a return preset (bank, T-Bill, MMF) or type your own rate.
Use the step-up slider if your contributions will grow with your income — even +10%/yr changes the ending dramatically.
Check the 'today's shillings' line: that is what the money will actually buy after inflation.

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Ksh 6.1T

sits in Kenyan bank accounts earning 3.23% — below inflation — silently losing real value every day.

CMA Collective Investment Schemes Quarterly Report, Q1 2026 · CBK

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Ksh 1.0M

is what Ksh 5,000/month grows to over 10 years at ~9.1% MMF — vs Ksh 600,000 sitting flat in a bank.

Assumed from the live CBK 91-day bill, via Mwangaza Yield

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.