Understand Your MoneySimply and for Free
One place to learn how to save and invest in Kenya and work out what matters to you — your NSSF pension, your home loan, your savings — without signing up, without paying anything and without jargon. All in shillings (KES).
KES
Official Currency
8
Calculators for Kenya
KSh 500k
KDIC Deposit Cover
KSh 0
Always Free
Live Market Indicators
Follow the S&P 500, Bitcoin and Ethereum in real time, updated every five minutes. Includes the US dollar / shilling exchange rate, handy if you hold US-dollar savings or funds.
Learn the Basics
Short, plain-English guides to saving, banks and financial planning in Kenya — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays interest that changes over time. How the interest, the 15% withholding tax and the Kenya Deposit Insurance Corporation work — and when a savings account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. Kenya has no unemployment benefit, so it matters even more. How to work out your figure and build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in shillings (KES), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in shillings.
Calculate →How Long to Save KSh 1M?
Work out how long it takes to reach any savings goal in shillings.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project your workplace and personal retirement saving that sits on top of the NSSF pension.
Calculate →Mortgage Calculator
Monthly payment plus the upfront cost of buying — deposit, stamp duty, legal fees.
Calculate →NSSF Pension Calculator
Estimate your monthly NSSF contribution and how large the pension pot could grow by 60.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for Kenya?
- Save Money To Invest is a free platform of financial data and calculators. The Kenya section brings together personal finance guides (savings accounts, the NSSF pension, KDIC deposit insurance, SACCOs, credit cards) and financial calculators in shillings (KES). No sign-up or account is needed.
- Why are the calculators in shillings?
- Because the shilling is the currency here. All calculators and articles use Kenyan shillings directly, with no currency conversion.
- Does Kenya have a state pension?
- Yes — the NSSF is the compulsory scheme. Since the NSSF Act 2013 began rolling out in 2024 it is an earnings-related, two-tier pension: 6% from you and 6% from your employer on pensionable pay, up to the Upper Earnings Limit, paying a benefit from age 60. It is modest, so most retirement income still comes from a workplace or personal pension and other saving. See the NSSF pension calculator and the retirement article.
- Is Save Money To Invest free in Kenya?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.