Ziidi Money Market Fund Calculator
Project your Ziidi MMF returns at the 2026 yield, net of 15% tax 🇰🇪
Ziidi’s minimum is KES 100.
Default is Ziidi’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. Ziidi credits interest monthly, so real returns are close to this model.
About this rate: ~6.37% gross is the Ziidi effective annual yield at the start of July 2026. The rate is published net of fees and gross of withholding tax and changes daily with market rates. Figures here are an independent illustration by PesaCalc, not a quote or offer by Ziidi, and PesaCalc is not affiliated with Ziidi. Confirm the current daily yield and terms with the fund before investing. Not investment advice.
Ziidi Money Market Fund rate today (2026)
Ziidi is Safaricom’s money market fund, built into M-PESA and managed by CMA-licensed fund managers (Standard Investment Bank and ALA Capital). As of early July 2026 it has been yielding about 6.37% gross, roughly 5.41% net after the 15% withholding tax. Interest accrues daily on your balance.
Ziidi’s pitch is not the rate, it is frictionless access: join from the M-PESA app or *334#, start with KES 100, pay zero transaction or maintenance fees, and withdraw instantly to M-PESA from as little as KES 10.
How much does Ziidi pay?
At about 6.37% gross (5.41% 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 10,000 | ~KES 560 | ~KES 10,560 |
| KES 50,000 | ~KES 2,780 | ~KES 52,780 |
| KES 100,000 | ~KES 5,550 | ~KES 105,550 |
| KES 500,000 | ~KES 27,750 | ~KES 527,750 |
| KES 1,000,000 | ~KES 55,510 | ~KES 1,055,510 |
Ziidi vs the higher-yield funds
The honest comparison: on the July 2026 table Cytonn pays ~11.87%, Etica ~10.64% and Britam ~9.82%, all also CMA-regulated with KES 100 to 1,000 minimums and 1-3 day withdrawals. Ziidi’s edge is being inside M-PESA with instant, fee-free access, which makes it an excellent first step out of an idle M-PESA balance and a fine home for float you may need on zero notice. For an emergency fund you can wait 1-3 days for, the higher-yield funds pay nearly double. See all 32 funds ranked or run a side-by-side comparison.
Frequently Asked Questions
What is the Ziidi Money Market Fund interest rate in 2026?
As of early July 2026 Ziidi has been yielding about 6.37% gross, roughly 5.41% net after the 15% withholding tax. The rate changes daily with the money market. That is well below top funds like Cytonn (~11.9%) or Etica (~10.6%), but Ziidi trades yield for unmatched convenience: KES 100 entry, zero fees and instant withdrawals inside M-PESA.
How do I join Ziidi on M-PESA?
Two ways: in the M-PESA app, open Financial Services and tap the Ziidi icon, then follow the prompts; or dial *334# on any phone (smartphone or kabambe) and select Ziidi. Sign-up is instant and free, and you can start with just KES 100.
How do Ziidi withdrawals work?
Instantly. Withdraw from KES 10 upward and the money lands in your M-PESA balance immediately, any time, with no withdrawal fees and no daily limit on the number of withdrawals (normal M-PESA transaction limits of KES 250,000 per transaction and KES 500,000 per day apply).
Who manages Ziidi and is it safe?
Ziidi is a Safaricom product whose money is managed by CMA-licensed fund managers, Standard Investment Bank and ALA Capital, invested in low-risk instruments such as government securities. Like every money market fund it is low-risk but not capital-guaranteed and not covered by KDIC deposit insurance.
Why is Ziidi's rate lower than other money market funds?
Convenience has a price. Ziidi’s ~6.37% gross trails the top funds by 4 to 7 percentage points; on KES 100,000 over a year that is roughly KES 5,500 net from Ziidi versus about KES 10,600 from Cytonn. If you value instant M-PESA access and tiny minimums, Ziidi is unbeatable; if yield matters most, compare the alternatives before parking serious money.
How much will KES 10,000 earn in Ziidi?
At about 6.37% gross (5.41% net), KES 10,000 left for a year earns roughly KES 550 net of tax. The calculator above models any amount, monthly top-up and period, with the 15% tax already applied.