Model irregular and regular deposits with variable user-supplied yields and conservative scenario bands.
Calculate your returns
Explore how your investment could grow if the selected rate stayed the same.
Using the published 10.44% annual-rate assumption for 12 months. Rate held constant. Published 2026-10-27. Additional fees and investor tax apply only if selected.
- Total invested
- KES 100,000.00
- Estimated investment earnings
- KES 10,440.00
Months · KES
Monthly breakdown and downloads
| Estimate | Amount |
|---|---|
| Growth at quoted / assumed rate | KES 10,440.00 |
| Separate fee estimate | KES 0.00 |
| Withholding estimate | KES 0.00 |
| Paid-out returns | KES 0.00 |
| Month | Opening | Contribution | Growth | Fees | Tax | Payout | Closing |
|---|---|---|---|---|---|---|---|
| 1 | KES 100,000.00 | KES 0.00 | KES 830.95 | KES 0.00 | KES 0.00 | KES 0.00 | KES 100,830.95 |
| 2 | KES 100,830.95 | KES 0.00 | KES 837.86 | KES 0.00 | KES 0.00 | KES 0.00 | KES 101,668.81 |
| 3 | KES 101,668.81 | KES 0.00 | KES 844.82 | KES 0.00 | KES 0.00 | KES 0.00 | KES 102,513.63 |
| 4 | KES 102,513.63 | KES 0.00 | KES 851.84 | KES 0.00 | KES 0.00 | KES 0.00 | KES 103,365.47 |
| 5 | KES 103,365.47 | KES 0.00 | KES 858.92 | KES 0.00 | KES 0.00 | KES 0.00 | KES 104,224.39 |
| 6 | KES 104,224.39 | KES 0.00 | KES 866.05 | KES 0.00 | KES 0.00 | KES 0.00 | KES 105,090.44 |
| 7 | KES 105,090.44 | KES 0.00 | KES 873.25 | KES 0.00 | KES 0.00 | KES 0.00 | KES 105,963.69 |
| 8 | KES 105,963.69 | KES 0.00 | KES 880.51 | KES 0.00 | KES 0.00 | KES 0.00 | KES 106,844.20 |
| 9 | KES 106,844.20 | KES 0.00 | KES 887.82 | KES 0.00 | KES 0.00 | KES 0.00 | KES 107,732.02 |
| 10 | KES 107,732.02 | KES 0.00 | KES 895.20 | KES 0.00 | KES 0.00 | KES 0.00 | KES 108,627.22 |
| 11 | KES 108,627.22 | KES 0.00 | KES 902.64 | KES 0.00 | KES 0.00 | KES 0.00 | KES 109,529.86 |
| 12 | KES 109,529.86 | KES 0.00 | KES 910.14 | KES 0.00 | KES 0.00 | KES 0.00 | KES 110,440.00 |
Standardised monthly periods; effective annual rates use the twelfth root, annualised daily rates use a 365-day daily rate compounded over 365/12 days. Growth, separate fees and withholding are rounded to cents each month. Withholding applies to positive growth after separately modelled fees. Embedded fees and already included investor tax are never deducted twice. This is a hypothetical cash-flow model, not an actual unit-price or realised-return reconstruction.
Growth at a net-of-fee quote already includes embedded fund expenses. It does not reconstruct gross portfolio income before those expenses.
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Useful to know
Are these live rates or personalised financial recommendations?
No. Calculations use the assumptions you enter. Included primary-source records have explicit editions and limited coverage. The result does not place trades, connect accounts, verify eligibility or guarantee a return.
What is included in the downloads?
The main CSV contains every result row, even when the screen table is paginated. Additional detail tables have separate CSV downloads. Project JSON contains the inputs and current tracker edits. Printable HTML includes the complete result, method and sources and can be saved as PDF through your browser.
Where are my files and inputs processed?
This tool processes your entries on your device. It does not upload them or save them in an account. Downloads remain on your device; Reset clears the current tool workspace.
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