Cytonn Money Market Fund Calculator
Project your Cytonn MMF returns at the 2026 yield, net of 15% tax 🇰🇪
Cytonn’s minimum is KES 1,000.
Default is Cytonn’s early-July 2026 effective annual yield. Enter the current daily yield for a live estimate, it moves with the market.
Net interest is compounded monthly at the gross yield less 15% tax. Cytonn credits interest monthly, so real returns are close to this model.
About this rate: ~11.87% gross is the Cytonn MMF effective annual yield at the start of July 2026. Cytonn publishes the yield net of fees and gross of withholding tax, and it changes daily with market rates. Figures here are an independent illustration by PesaCalc, not a quote or offer by Cytonn, and PesaCalc is not affiliated with Cytonn. Confirm the current daily yield and terms with the fund before investing. Not investment advice.
Cytonn Money Market Fund rate today (2026)
The Cytonn Money Market Fund (CMMF) is one of the highest-yielding money market funds in Kenya, run by Cytonn Asset Managers and regulated by the Capital Markets Authority (CMA). As of early July 2026 its effective annual yield is about 11.87% gross, roughly 10.09% net after the 15% withholding tax, placing it second only to Nabo (13.80%) on the July table and well above the market average of about 9%.
Yields are published daily and move with the market, so treat any figure as a snapshot. Enter Cytonn’s current daily yield in the calculator above to model your own amount.
How much does the Cytonn MMF pay?
At about 11.87% gross (10.09% net), here is roughly what a lump sum earns in one year, net of tax, with no top-ups:
| Amount | Approx. net interest / year | Balance after 1 year |
|---|---|---|
| KES 50,000 | ~KES 5,280 | ~KES 55,280 |
| KES 100,000 | ~KES 10,570 | ~KES 110,570 |
| KES 500,000 | ~KES 52,850 | ~KES 552,850 |
| KES 1,000,000 | ~KES 105,690 | ~KES 1,105,690 |
Add a monthly top-up and the balance compounds faster. The calculator above does this for your exact figures.
Minimums, tax and withdrawals
You can open a Cytonn MMF account with KES 1,000 and top up any amount, with no lock-in. Interest attracts 15% withholding tax, deducted by the fund as a final tax. Withdrawals up to KES 300,000 hit your M-Pesa or bank in minutes; larger amounts pay to your bank in 2 to 4 working days.
Cytonn vs other Kenyan funds
On the July 2026 table Cytonn (11.87%) sits behind only Nabo (13.80%, KES 100,000 minimum) and ahead of Etica (10.64%), Britam (9.82%) and Safaricom’s Ziidi (6.37%). See the full ranking of all 32 funds on our best money market funds page, or compare any two side by side. For money you can lock away, weigh a fixed deposit or a Treasury Bill.
Frequently Asked Questions
What is the Cytonn Money Market Fund interest rate in 2026?
As of early July 2026 the Cytonn MMF (KES) is quoting an effective annual yield of about 11.87% gross, roughly 10.09% net after the 15% withholding tax. Cytonn has consistently ranked in Kenya’s top three MMFs by yield. The rate is published daily, is net of fees and gross of tax, and moves with market rates, so always check the current daily yield and enter it in the calculator above.
What is the minimum investment in the Cytonn Money Market Fund?
You can start with KES 1,000 and top up in any amount. There is no lock-in period. You invest through Cytonn’s app, USSD or M-Pesa; deposits made on working days typically reflect within 24 hours.
How fast can I withdraw from the Cytonn MMF?
Withdrawals of up to KES 300,000 are processed in minutes to M-Pesa or bank. Amounts above KES 300,000 go to your bank account in roughly 2 to 4 working days. There are no withdrawal penalties and no limit on how often you withdraw.
How is Cytonn MMF interest calculated and taxed?
Interest accrues daily on your balance and is credited monthly. The quoted yield is already after the manager’s fee but before tax, so the fund deducts 15% withholding tax on each distribution as a final tax. An 11.87% gross yield therefore works out to about 10.09% net. This calculator applies the 15% tax for you and compounds the net interest monthly.
Is the Cytonn Money Market Fund safe?
The Cytonn MMF is run by Cytonn Asset Managers Ltd, which is licensed and regulated by the Capital Markets Authority, with client money held by an independent custodian under a trustee, separate from the manager’s own funds. Like every MMF it is low-risk but not capital-guaranteed and not covered by KDIC deposit insurance. Spreading large amounts across 2-3 funds is sensible; compare all Kenyan MMFs here.
How much will KES 100,000 earn in the Cytonn MMF?
At about 11.87% gross (10.09% net), KES 100,000 left for a year earns roughly KES 10,600 net of tax, credited monthly. Add a monthly top-up and the total compounds faster; the calculator above models your exact amount, top-up and period.