lump · monthly · horizon — your numbers, every instrument's own rules
Calculator
Enter a lump sum, a monthly addition, and a horizon — every instrument projects under its own real rules (tax where it actually bites, fees never double-counted). Guaranteed rates project as contracts; historical figures are labeled as illustrations, not promises. Switch to Goal mode to see the monthly addition each instrument would need to reach a target. Automated analysis for information & education — not investment advice.
growth curve · 364-day T-Bill
Solid = nominal projection. Tap "chart" on any row below to switch instrument.
| Instrument | Return type | Projected (nominal) | Assumptions & facts |
|---|---|---|---|
| 364-day T-Bill | Guaranteed | KES 365.0K | |
| Infrastructure Bond (IFB) | Guaranteed | KES 398.7K | |
| Top-quartile MMF | Historical | KES 375.1K | |
| Bank Fixed Deposit (1yr) | Guaranteed | KES 358.8K | |
| Mansa-X Special Fund (KES) | Historical | Requires KES 250,000 to start. At your inputs you'd reach it in 15 months | |
| OAK Multi-Asset Special Fund | Historical | Requires KES 500,000 to start. At your inputs you'd reach it in 40 months | |
| Treasury Bond (5–10yr) | Guaranteed | KES 390.8K | |
| SACCO deposits (BOSA) | Historical | KES 371.3K | |
| Bank savings account | Historical | KES 352.6K | |
| Rental property (residential) | Historical | Requires KES 3,000,000 to start. At your inputs you'd reach it in 290 months | |
| ILAM Fahari I-REIT | Historical | KES 377.4K | |
| NSE dividend equities (basket) | Historical | KES 374.2K |