Money calculators: money market returns, savings goals and loan costs

Money market fund returns

Fund (this week's rates, 6 Nov 2026)

Annual rate (%)

For how long (years)

Starting amount (KES)

Monthly top-up (KES)

Interest is worked out daily and added monthly, which is how most Kenyan money market funds work. 15% withholding tax is taken off the interest. Rates change, so treat this as an estimate.

You could have

–

You put in –
Interest earned (before tax) –
Withholding tax (15%) –
Interest you keep –

Yr	Put in	Interest	Balance (KES)

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Savings goal planner

What do you want to have? (KES)

By when?

Already saved (KES)

Expected annual rate (%)

The rate defaults to this week's average KES money market rate (9.13%). Set it to 0 if you will keep the money in a normal account.

Save every month

–

Or every week –
Months to go –
You put in –
Interest helps with –

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What will this loan really cost?

Amount borrowed (KES)

Repay over (months)

Interest rate (% a year) How is the interest charged?

Reducing balance Flat rate

Processing fee (%)

Other fees (KES)

Ask the lender which method they use. A "flat" rate charges interest on the full amount for the whole loan, so it costs far more than the same "reducing balance" rate.

Monthly repayment

–

Total interest –
Fees –
Total you repay (with fees) –
True yearly cost (APR) –

Same rate, reducing balance–a month

Same rate, flat–a month

The APR includes the interest and fees, spread over the loan, so you can compare offers fairly.

Do the maths before you decide

Money market fund returns

Savings goal planner

What will this loan really cost?