Tax on Investment Returns

How much of your interest does the taxman take — and what you actually keep?

Serrari provides educational tools — we are not financial advisors. Results are estimates based on the inputs you provide.

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See the real impact of withholding tax and management fees on your earnings.

How much interest did you earn?

Enter the gross interest you earned, or calculate it from your principal, rate, and investment period.

Total gross interest earned

KES

Or calculate from your investment:

Principal

KES

Annual rate (%)

Investment period (years)

What are the tax and fee rates?

In Kenya, withholding tax on interest is 15%. Management fees vary by fund but typically 1.5–2.5%.

Withholding tax rate (%)

Kenya standard: 15% on interest

Management fee (% p.a.)

Typical range: 1.5–2.5%

Net return (what you keep)

—

Gross interest

Withholding tax (WHT)

Management fee

Effective return rate

—%

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The impact compounds

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Kenya's WHT explained

Withholding tax at 15% is deducted before you withdraw. Management fees are charged annually from your principal. Together, they reduce your effective return significantly. Over 5+ years, this erosion really adds up.

Serrari is an independent data tracker, not a fund manager or financial advisor.

Calculator results are estimates for educational purposes. Actual returns depend on market conditions, fees, and other factors. Always do your own research before investing.