Cytonn Money Market Fund Calculator
Project your Cytonn MMF returns at the Oct 2026 yield, net of 15% tax
9.35% net after 15% withholding tax · interest accrues daily, paid monthly
Cytonn’s minimum is KES 1,000
Illustrates a regular savings habit
Enter Cytonn’s current daily yield for a live estimate
We compound monthly over this horizon
Net interest is compounded monthly at the gross yield less 15% tax. Cytonn credits interest monthly, so real returns are close to this model.
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 October 5, 2026 its effective annual yield is 11.00% gross, about 9.35% net after the 15% withholding tax, which places it 1st of the 32 funds we track and well above the market average of 9.2%.
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 11.00% gross (9.35% net), here is what a lump sum earns in one year after tax, with interest credited and compounded monthly and no top-ups:
| Amount | Net interest / year | Balance after 1 year |
|---|---|---|
| KES 50,000 | ~KES 4,640 | ~KES 54,640 |
| KES 100,000 | ~KES 9,280 | ~KES 109,280 |
| KES 500,000 | ~KES 46,410 | ~KES 546,410 |
| KES 1,000,000 | ~KES 92,820 | ~KES 1,092,820 |
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 October 2026 table Cytonn (11.00%) ranks 1st of 32, ahead of Etica (10.04%), Britam (9.84%) and Safaricom’s Ziidi (6.99%). 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 October 5, 2026 the Cytonn MMF (KES) is quoting an effective annual yield of 11.00% gross, about 9.35% net after the 15% withholding tax. That places it 1st of the 32 funds we track. The rate is published daily, is quoted net of fees and before tax, and moves with market rates, so 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. A 11.00% gross yield is therefore about 9.35% net as a rate. Because each month’s net interest is added to your balance and earns interest itself, a full year actually returns about 9.28%. This calculator applies the 15% tax and compounds monthly, so it shows the second figure.
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 a large balance across several funds is one way investors manage that; compare all Kenyan MMFs here.
How much will KES 100,000 earn in the Cytonn MMF?
At 11.00% gross (9.35% net), KES 100,000 left for a year earns about KES 9,280 net of tax, credited monthly. Add a monthly top-up and the balance compounds faster; the calculator above models your exact amount, top-up and period.