Ziidi Money Market Fund Calculator
Project your Ziidi returns at the Oct 2026 yield, net of 15% tax
5.94% net after 15% withholding tax · interest accrues daily, paid monthly
Ziidi’s minimum is KES 100 — join from M-PESA or *334#
Illustrates a regular savings habit
Enter Ziidi’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. Ziidi credits interest monthly, so real returns are close to this model.
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 October 5, 2026 it has been yielding about 6.99% gross, roughly 5.94% 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 6.99% gross (5.94% 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 10,000 | ~KES 590 | ~KES 10,590 |
| KES 50,000 | ~KES 2,960 | ~KES 52,960 |
| KES 100,000 | ~KES 5,910 | ~KES 105,910 |
| KES 500,000 | ~KES 29,570 | ~KES 529,570 |
| KES 1,000,000 | ~KES 59,140 | ~KES 1,059,140 |
Ziidi vs the higher-yield funds
The honest comparison: on the October 2026 table Cytonn pays 11.00%, Etica 10.04% and Britam 9.84%, 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 meaningfully more. 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 October 5, 2026 Ziidi has been yielding about 6.99% gross, roughly 5.94% net after the 15% withholding tax. The rate changes daily with the money market. That is well below top funds like Cytonn (11.00%) or Etica (10.04%), 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 6.99% gross trails the top fund by about 4.01 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 hard to match; if yield matters most, compare the alternatives before parking serious money.
How much will KES 10,000 earn in Ziidi?
At about 6.99% gross (5.94% 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.