Investment Returns Calculator

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

Starting lump sum (Ksh)

Ksh

Monthly contribution (Ksh)

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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.
The presets come from the latest CBK auction and CBK's own averages. Returns are before withholding tax, and past rates are not a promise of future ones.

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Ksh 6.52T

sits in Kenyan bank deposits, where the average rate after tax (6.06%) trails inflation (6.8%). Money you will not need soon can do better.

Central Bank of Kenya — Banking sector deposits, four months to April 2026 · CBK Bank Supervision Annual Report 2025, §3.7

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Ksh 1.0M

is what Ksh 5,000/month grows to over 10 years at ~9.0% 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.