Step by Step Insurance – MMF Calculator
Money Market Fund Calculator
Min: KES 1,000
Note: The calculator will update when you choose a different MMF provider.
How to Use This Calculator
Use this calculator to estimate returns on your Money Market Fund investment:
- Choose MMF Provider: Select from the available fund providers.
- Initial Deposit: Enter your starting investment amount (must meet minimum requirement).
- Monthly Contribution: Optional recurring monthly investment amount.
- Investment Period: Duration of investment in years (can be decimal, e.g., 1.5 years).
Important: Calculations use net returns (after tax) for more accurate projections.
Money Market Fund Providers (October 2025)
| Provider | Annual Rate (%) | Net Return (%) | Minimum Investment |
|---|---|---|---|
| Nabo Money Market Fund | 12.42 | 10.56 | KES 100,000 |
| Gulfcap Money Market Fund | 12.18 | 10.35 | KES 5,000 |
| Lofty Corban MMF | 12.01 | 10.21 | KES 1,000 |
| Etica Money Market Fund | 12.01 | 10.21 | KES 100 |
| Kuza Money Market Fund | 11.15 | 9.48 | KES 5,000 |
| ArvoCap Money Market Fund | 11.12 | 9.45 | KES 3,000 |
| Enwealth Money Market Fund | 11.11 | 9.44 | KES 1,000 |
| Britam Money Market Fund | 10.90 | 9.27 | KES 5,000 |
| Jubilee Money Market Fund | 10.82 | 9.20 | KES 5,000 |
| Orient Money Market Fund | 10.79 | 9.17 | KES 1,000 |
| Gen Africa Money Market Fund | 10.70 | 9.10 | KES 500,000 |
| Old Mutual Money Market Fund | 10.59 | 9.00 | KES 1,000 |
| Madison Money Market Fund | 10.49 | 8.92 | KES 5,000 |
| Apollo Money Market Fund | 10.00 | 8.50 | KES 1,000 |
| Faulu Money Market Fund | 9.87 | 8.39 | KES 1,000 |
| Dry Associates MMF | 9.85 | 8.37 | KES 1,000,000 |
| Sanlam Money Market Fund | 9.42 | 8.01 | KES 2,500 |
| Mali Money Market Fund | 9.29 | 7.90 | KES 100 |
| CPF Money Market Fund | 9.01 | 7.66 | KES 1,000 |
| KCB Money Market Fund | 9.00 | 7.65 | KES 5,000 |
| ICEA Money Market Fund | 8.85 | 7.52 | KES 500 |
| Co-op Money Market Fund | 8.83 | 7.51 | KES 2,000 |
| CIC Money Market Fund | 8.53 | 7.25 | KES 5,000 |
| Gencap Money Market Fund | 8.49 | 7.22 | KES 500 |
| Mayfair Money Market Fund | 8.49 | 7.22 | KES 5,000 |
| Absa Money Market Fund | 8.07 | 6.86 | KES 1,000 |
| African Alliance MMF | 7.20 | 6.12 | KES 1,000 |
| Stanbic Money Market Fund | 6.44 | 5.47 | KES 1,000 |
| Ziidi Money Market Fund | 6.26 | 5.32 | KES 100 |
| Equity Money Market Fund | 5.04 | 4.28 | KES 1,000 |
Market Insights – October 2025
Key trends in Kenya’s Money Market Fund landscape:
- Market Leaders: Nabo (12.42%) and Gulfcap (12.18%) lead with highest returns.
- Market Average: 9.63% before tax, 8.19% after tax – well above inflation (4.6%).
- Accessibility: Etica, Mali, and Ziidi offer the lowest minimum investment at KES 100.
- Performance Gap: Top funds yield over 2.5x more than bottom performers.
- Real Returns: Most MMFs provide positive real returns after inflation.
Recommendation: Review your investment strategy quarterly to optimize returns in this dynamic market.
Disclaimer: Money Market Fund rates are subject to change according to market conditions. The rates shown are valid as of October 2025.
We are investment advisors dedicated to helping you choose the best MMF for your needs. However, all investments carry risk. Always conduct due diligence or consult a licensed professional.
