Compare Investments Calculator Kenya — Side-by-Side
Enter your starting amount, monthly contribution, and investment period. We’ll compare how your money grows across Bank Savings, MMFs, T-Bills, SACCOs and more — side-by-side.
| Option | Rate | Final | Gain |
|---|---|---|---|
| Treasury Bill | 16% | KES 676,558 | KES 276,558 |
| SACCO | 13% | KES 610,358 | KES 210,358 |
| Top MMF | 11.5% | KES 580,152 | KES 180,152 |
| MMF Average | 9.4% | KES 540,813 | KES 140,813 |
| Bank Savings | 3.5% | KES 446,425 | KES 46,425 |
Starting with KES 100,000 plus KES 5,000/month over 5 years: Treasury Bill wins at KES 676,558 — that's KES 230,133 more than Bank Savings. Higher rates beat lower rates dramatically over time thanks to compound growth.
How the Investment Comparison Formula Works
This formula combines two components: the growth of your initial lump sum and the growth of every monthly contribution. The first part calculates how your principal compounds over time. The second part calculates the future value of a series of equal monthly deposits, each compounding from the moment it is contributed. Together, they give you the total amount you will have at the end of the investment period.
By running this formula at different interest rates, you can see exactly how much more you earn with higher-yielding products. The gap widens dramatically over longer periods — which is why compound interest favours patient investors. For a single lump-sum projection, try the Future Value Calculator. To see how fast your money doubles at any rate, use the Rule of 72 Calculator.
Kenya Investment Vehicles Compared (2026)
Typical rates, risk levels, and liquidity for each option in the calculator.
| Product | Typical Rate | Risk Level | Liquidity | Min. Investment |
|---|---|---|---|---|
| Bank Savings | 3 – 5% | Very low | Instant | KES 0 |
| Money Market Funds | 8 – 12% | Low | Next-day | KES 100 |
| Top MMFs | 10 – 13% | Low | Next-day | KES 100 |
| Treasury Bills | 14 – 17% | Very low | 91–364 days | KES 100,000 |
| SACCO Savings | 8 – 14% | Medium | Varies | Varies |
| Treasury Bonds | 12 – 14% | Very low | 2–25 years | KES 50,000 |
| Unit Trusts (Balanced) | 10 – 15% | Medium | 3–5 days | KES 1,000 |
Side-by-Side Growth: Sample Scenarios
How the same money grows across different rates and time horizons.
| Starting + Monthly | Rate | Years | Final Value |
|---|---|---|---|
| KES 100K + 5K/mo | 3.5% | 5 | KES 440,395 |
| KES 100K + 5K/mo | 9.4% | 5 | KES 540,282 |
| KES 100K + 5K/mo | 16% | 5 | KES 690,765 |
| KES 500K + 10K/mo | 9.4% | 10 | KES 2,939,816 |
| KES 500K + 10K/mo | 13% | 10 | KES 4,137,210 |
| KES 1M + 20K/mo | 11.5% | 20 | KES 26,854,512 |
Need to project a single lump sum? Try the Future Value Calculator.
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