Investment Returns Calculator

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

⚠️

KSh 4.6T

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

CMA Collective Investment Schemes, July 2026

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KSh 1.1M

is what KSh 5,000/month grows to over 10 years at 11.5% MMF — vs KSh 600,000 sitting flat in a bank.

Based on CIC Money Market Fund average yield, 2025/26

Starting lump sum (KES)

Monthly contribution (KES)

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.