Financial.co.ke brings together education, market insight, product clarity and simple tools so you can manage your money, business and investments with confidence.
Subscribe to our weekly newsletter
Fixed Deposit Return Calculator
đź’°
Fixed Deposit Return Calculator
Fixed Deposit Return Calculator
Estimate your maturity amount, interest and
withholding tax for a fixed deposit in KES.
The amount you place into the fixed deposit at the start.
Example: 12 months at 10% p.a. or 3 years at 9% p.a.
In Kenya, interest on deposits is typically subject to
withholding tax (e.g. 15%). Set to 0% if tax-exempt.
Many fixed deposits quote a per annum rate. Some apply
simple interest, others compound annually. This toggle lets you
see both possibilities.
Please enter sensible values: principal & tenure must be positive, rate & tax must be zero or more.
đź’ˇ Compare offers not just by the headline rate, but by
the net interest you receive after withholding tax.
Maturity Summary
Waiting for numbers…
Maturity value: KES 0.00
Tenure: 0 months (0.0 years)
Principal amount
KES 0.00
Gross interest (before tax)
KES 0.00
Withholding tax
KES 0.00
Net interest (after tax)
KES 0.00
Effective annual rate (gross)
0.0% p.a.
Effective annual rate (net)
0.0% p.a.
Gross vs Net interestNet: 0.0% of gross
Gross interest
Net interest (after tax)
This calculator is a guide only. Actual returns depend on your
bank/SACCO’s specific product terms, compounding rules and tax
treatment. Always confirm the official rate and maturity amount
before investing.
