SIP Top Calculator 2025 | Systematic Investment Plan Calculator
Calculate your SIP returns in Kenya. Plan your systematic investment with our comprehensive SIP calculator featuring real market returns, inflation adjustment, and goal-based planning for Kenyan investors.
Monthly Investment
Ksh 10,000
Investment Period
10 Years
Expected Returns
12% p.a.
Maturity Value
Ksh 2,323,391
Calculate Your SIP Returns
Minimum: KES 100
NSE 20 Share Index average: 10-12% | Money Market Funds: 8-10%
Current Kenya inflation rate: 6.5% (January 2025)
Maturity Value
Ksh 2,323,391
You Invest
Ksh 1,200,000
120 payments
Returns Earned
Ksh 1,123,391
93.6% growth
Inflation-Adjusted Value
Ksh 1,985,479
Real return after 6.5% inflation: 5.16% per year
What Can You Achieve?
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Frequently Asked Questions About SIP in Kenya
How much can I earn from SIP in Kenya?
SIP returns in Kenya range from 9-18% annually depending on fund type. Money market funds return 9-11%, balanced funds 10-13%, and equity funds 12-18%. A KES 10,000 monthly SIP at 12% grows to KES 2.3 million in 10 years.
What is the minimum SIP amount in Kenya?
The minimum SIP amount varies by fund. Many money market funds accept as low as KES 100/month (CIC, Britam via M-Pesa). Traditional unit trusts typically require KES 5,000-10,000 minimum. Digital platforms like Mali, Hisa, and Ndovu allow SIPs from KES 100.
Is SIP better than fixed deposit in Kenya?
For long-term goals (5+ years), SIP typically beats fixed deposits. SIPs offer 10-15% returns vs fixed deposit's 8-11%. Additionally, SIPs provide liquidity (withdraw anytime) while FDs lock your money. However, FDs guarantee returns while SIP returns fluctuate.
Can I lose money in SIP?
Money market SIPs rarely lose principal (invest in low-risk government securities). Equity SIPs can show negative returns in bad years (NSE dropped 23% in 2022). However, over 5+ years, equity SIPs historically recover and outperform. Diversify across fund types to reduce risk.
How do I start a SIP in Kenya?
Steps: (1) Choose a fund manager (Britam, CIC, Old Mutual, etc.), (2) Complete KYC (ID, KRA PIN), (3) Set monthly amount and link M-Pesa/bank account, (4) Authorize auto-deductions. Most fund managers offer mobile apps for easy management. Process takes 1-3 days.
What is the tax on SIP in Kenya?
Money market fund withdrawals attract 15% withholding tax on interest earned. Capital gains from unit trusts/equity funds held over 12 months are tax-exempt under Kenyan tax law. No tax on contributions. Use our PAYE calculator for overall tax planning.
Important Disclaimer
General Information Only: This calculator provides estimates based on publicly available information and standard rates. Results are for informational and educational purposes only and should not be considered as professional financial, legal, or tax advice.
Accuracy and Updates: While we strive to maintain accurate and up-to-date information using official sources including Kenya Revenue Authority (KRA), National Social Security Fund (NSSF), Social Health Insurance Fund (SHIF), and other relevant government agencies, rates and regulations may change. Always verify current rates with official sources.
Seek Professional Advice: For specific tax planning, salary negotiations, financial decisions, or legal matters, please consult with qualified professionals such as certified accountants, tax advisors, financial planners, or legal practitioners who can consider your individual circumstances.
No Liability: Top Calculator and its operators accept no liability for any loss, damage, or inconvenience arising from the use of this calculator or reliance on its results. Users are responsible for verifying all calculations and information with official sources before making financial decisions.
Official Sources: For authoritative information, please refer to:
- Kenya Revenue Authority (KRA) - www.kra.go.ke
- National Social Security Fund - www.nssfkenya.co.ke
- Social Health Insurance Fund - www.sha.go.ke
Last updated: January 2025. This disclaimer applies to all calculators on Top Calculator.