MMF Kenya Tracker

Investment Return Calculators

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Kenya calculators

Estimate net returns across popular Kenyan investments.

Compare practical net-return estimates for Money Market Funds, Treasury Bills, Treasury Bonds, Fixed Deposits, SACCO returns and real estate rental income. Use the calculators as planning tools only, then confirm actual rates, taxes, fees and terms with the product provider or a licensed adviser.

Tools included6
FocusNet returns
CurrencyKES
Use casePlanning
Important: These calculators are simplified estimates. They do not replace official pricing, product factsheets, KRA guidance, CBK auction results, legal tax advice or personalised investment advice. Update the tax fields if your personal situation or the latest tax treatment is different.

Money Market Fund

MMF net return calculator

Estimate monthly and annual net earnings from an MMF using a published annual yield and a withholding-tax assumption.

Estimated MMF results

Gross monthly estimateKES 0
Net monthly estimateKES 0
Total net incomeKES 0
Estimated value after periodKES 0

Treasury Bills

T-Bill net return calculator

Estimate simple net interest from a Treasury Bill using amount invested, annualised rate, tenor and withholding tax. Actual auction pricing is determined by CBK.

Estimated T-Bill results

Gross interestKES 0
Tax withheldKES 0
Net interestKES 0
Estimated maturity valueKES 0

Treasury Bonds

Bond coupon net return calculator

Estimate net coupon income from a Treasury Bond. This focuses on coupon income and excludes market price movement, accrued interest and capital gains/losses.

Estimated bond results

Amount paid estimateKES 0
Annual gross couponKES 0
Annual net couponKES 0
Total net coupon over periodKES 0
Simple net coupon yield on amount paid0%

Fixed Deposit

Fixed deposit net return calculator

Estimate net interest on a fixed deposit using a quoted annual rate, term and withholding-tax assumption.

Estimated fixed deposit results

Gross interestKES 0
Tax withheldKES 0
Net interestKES 0
Estimated maturity valueKES 0

SACCO

SACCO dividend / deposit return calculator

Estimate net SACCO dividends or deposit interest. SACCO tax treatment and distribution rules vary, so use the tax field as an editable assumption.

Estimated SACCO results

Gross returnKES 0
Tax withheld / deductedKES 0
Net returnKES 0
Estimated value after distributionKES 0

Real Estate

Rental yield and net income calculator

Estimate annual rental yield after occupancy, running costs and residential monthly rental income tax assumption. It excludes buying costs, stamp duty, financing, repairs spikes and sale taxes.

Estimated real estate results

Effective gross rentKES 0
Rental tax estimateKES 0
Net rental incomeKES 0
Net rental yield0%
Total return incl. appreciation0%

Tax assumptions

Default assumptions used

InvestmentDefault assumptionNotes
MMFs / bank interest / fixed deposit15% withholding taxEditable field. Confirm the fund or bank’s current tax treatment.
Treasury Bills15% withholding tax on interest estimateCBK auction pricing may differ from this simple estimate.
Treasury Bonds15%, 10% or 0% depending on bond type/categoryInfrastructure bonds are often tax-exempt; confirm the specific issue terms.
Residential rental income7.5% of gross rentFor qualifying monthly residential rental income regime; other rental situations may differ.
SACCOEditable default of 10%Actual treatment varies by distribution type and member/tax status.
Source notes: Kenya Revenue Authority publishes withholding-tax and monthly residential rental income guidance. The Central Bank of Kenya provides Treasury bill and bond information and notes that final Treasury bill pricing is determined by CBK. Use the calculators as estimates only.