🇰🇪 Kenya Money Statistics
The personal-finance numbers Kenyans ask about most, verified against primary sources and refreshed on a monthly cadence. Journalists, bloggers, students and researchers: every figure here is free to use.
Money Market Fund Yields
| Rank | Fund | Gross p.a. | Net of 15% WHT |
|---|---|---|---|
| 1 | Cytonn Money Market Fund | 11.00% | 9.35% |
| 2 | Nabo Africa Money Market Fund | 10.91% | 9.27% |
| 3 | Faulu Money Market Fund | 10.73% | 9.12% |
| 4 | Lofty-Corban Money Market Fund | 10.66% | 9.06% |
| 5 | Enwealth Money Market Fund | 10.60% | 9.01% |
Market average across all tracked funds: 9.2% gross. Spread between the top and bottom fund: about 7.2 percentage points, on identical risk class products. Full table: all 32 funds ranked.
Treasury Bill Rates
| Tenor | Rate p.a. | Net effective (after 15% WHT) |
|---|---|---|
| 91-day | 8.77% | ~7.6% |
| 182-day | 8.89% | ~7.6% |
| 364-day | 9.04% | ~7.6% |
Minimum bid KES 100,000. Exact discount pricing in the T-bill calculator.
Inflation & Policy Rates
| Headline inflation (y/y, September 2026) | 6.8% |
| Transport inflation | +15.6% |
| Food inflation | +9.5% |
| Central Bank Rate (CBR) | 8.75% |
| Average bank lending rate | ~14.5% |
| USD/KES indicative | ~129.20 |
Historical annual averages back to 2011 are built into the inflation calculator.
Statutory Deductions (2026)
| NSSF (employee, max) | 6% to KES 6,480/mo |
| SHIF | 2.75% of gross (min KES 300) |
| Housing Levy (AHL) | 1.5% of gross |
| PAYE bands | 10 / 25 / 30 / 32.5 / 35% |
| Personal relief | KES 2,400/mo |
| Pension relief cap | KES 30,000/mo |
Full payslip maths in the net salary calculator.
Household Costs
| Petrol (Super), Nairobi | KES 214.03/litre |
| Diesel, Nairobi | KES 217.86/litre |
| KPLC fuel charge (FCC) | KES 3.00/kWh |
| KPLC forex charge (FERFA) | KES 1.1443/kWh |
| M-Pesa send (max band) | KES 108 |
| M-Pesa agent withdrawal (max band) | KES 309 |
Trip costs in the fuel calculator, bills in the KPLC calculator, transfer fees in the M-Pesa calculator.
Special Funds Snapshot
| Fund | 2025 net return | H1 2026 net | AUM | Minimum |
|---|---|---|---|---|
| Mansa X (SIB, KES) | 20.74% | 10.97% | KES 163.84 Bn (Jun 26) | KES 250,000 |
| Oak Special Fund (Faida, KES) | 18.99% | 8.06% | KES 19.02 Bn (Jun 26) | KES 500,000 |
| Etica Special Multi-Asset (Etica, KES) | New (Nov 2025) | 10.51% | Not published | KES 250,000 |
Historical returns as each manager reports them (Mansa X and Oak net of fees, Etica net of all fees and taxes), not guaranteed; all three are CMA-regulated special funds and can lose money. Etica has already published Q3 2026: 5.52% for the quarter and 16.61% for 2026 to date. Full analysis: Mansa X vs Oak.
Refresh cadence: MMF yields and T-bill rates weekly to monthly; fuel on EPRA's mid-month review; KPLC pass-through charges monthly; inflation on each KNBS release; statutory rates as gazetted. Figures are compiled in good faith from the named primary sources and may have changed since the dates shown; this page is general information, not financial advice.