Etica Money Market Fund Calculator
Project your Etica MMF returns at the Oct 2026 yield, net of 15% tax
8.53% net after 15% withholding tax · interest accrues daily, paid monthly
Etica’s minimum is KES 100 — one of the lowest in Kenya
Illustrates a regular savings habit
Enter Etica’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. Etica credits interest monthly, so real returns are close to this model.
Etica Money Market Fund rate today (2026)
The Etica Money Market Fund, run by Etica Capital and regulated by the Capital Markets Authority (CMA), pairs top-tier yields with the lowest entry point in the market. As of October 5, 2026 its effective annual yield is about 10.04% gross, roughly 8.53% net after the 15% withholding tax, 14th of the 32 funds we track.
Yields are published daily and move with the market; enter Etica’s current daily yield in the calculator above for a live estimate.
How much does the Etica MMF pay?
At about 10.04% gross (8.53% net), here is roughly what a lump sum earns in one year, net of tax, with no top-ups:
| Amount | Net interest / year | Balance after 1 year |
|---|---|---|
| KES 50,000 | ~KES 4,240 | ~KES 54,240 |
| KES 100,000 | ~KES 8,480 | ~KES 108,480 |
| KES 500,000 | ~KES 42,390 | ~KES 542,390 |
| KES 1,000,000 | ~KES 84,770 | ~KES 1,084,770 |
Add a monthly top-up and the balance compounds faster. The calculator above does this for your exact figures.
Minimums, tax and withdrawals
Open and top up from KES 100, with no lock-in. Interest attracts 15% withholding tax, deducted by the fund as a final tax. Withdrawals typically pay out same day to two business days, fastest to M-Pesa.
Etica vs other Kenyan funds
On the October 2026 table Etica (10.04%) ranks 14th of the 32 funds we track. For comparison, Cytonn pays 11.00%, Nabo 10.91% (KES 100,000 minimum), Britam 9.84% and Ziidi 6.99%. Its KES 100 minimum is among the lowest of any Kenyan MMF, which is what draws small and regular savers to it. See all 32 funds ranked, compare side by side, or weigh a fixed deposit for locked money.
Frequently Asked Questions
What is the Etica Money Market Fund interest rate in 2026?
As of October 5, 2026 the Etica MMF (KES) is quoting an effective annual yield of about 10.04% gross, roughly 8.53% net after the 15% withholding tax. Etica has ranked among Kenya’s top-yielding money market funds through 2025 and 2026. The published daily yield is net of fees, before tax, and moves with market rates.
What is the minimum investment in the Etica MMF?
KES 100, for both the initial investment and top-ups, one of the lowest entries of any Kenyan fund. There is no lock-in period, which is why Etica is popular with young savers building a habit from small, frequent deposits via M-Pesa.
How fast can I withdraw from Etica?
Withdrawals are typically processed same day to 1-2 business days depending on amount and payout method (M-Pesa is fastest). There are no withdrawal penalties.
How is Etica MMF interest calculated and taxed?
Interest accrues daily and is credited monthly. The quoted yield is already after the manager’s fee but before tax; the fund deducts 15% withholding tax on each distribution as a final tax, so 10.04% gross lands at about 8.53% net. This calculator applies the tax for you and compounds the net interest monthly.
Is the Etica Money Market Fund safe?
The fund is run by Etica Capital Ltd, licensed and regulated by the Capital Markets Authority, with client money held by an independent custodian under a trustee. Like every MMF it is low-risk but not capital-guaranteed and not covered by KDIC deposit insurance. For large balances, spreading across several funds is one way investors manage that; compare all Kenyan MMFs here.
How much will KES 100,000 earn in the Etica MMF?
At about 10.04% gross (8.53% net), KES 100,000 left for a year earns roughly KES 9,400 net of tax, credited monthly. Use the calculator above to model your exact amount, monthly top-up and period.