To save KES 1 million feels enormous when you’re staring at a salary that disappears before the month ends. But here’s the truth most financial content won’t tell you: saving KES 1 million in Kenya is not a question of income — it’s a question of system. The time it takes to save KES 1…
You’ve managed to save KES 100,000. It’s sitting in your M-Pesa or a bank savings account, earning next to nothing — or worse, slowly losing value to inflation. You’ve heard about money market funds but you’re not sure what your KES 100,000 would actually earn. Real numbers. Real returns. Before and after tax. Here’s the…
A dollar account — formally called a Foreign Currency Account (FCA) — lets you hold, receive, and spend US Dollars without converting them to Kenya Shillings. The money sits in USD until you decide to convert: when the rate is favourable, when you have a USD-denominated expense, or when you want to move it into…
Affordable Health Insurance in Kenya 2026: You are now contributing more to SHA than you ever paid to NHIF. For a Kenyan earning KES 80,000, the SHIF deduction is over KES 2,200 per month — more than the old NHIF maximum of KES 1,700. The question every employed Kenyan is asking is the same: is…
NSE vs Money Market Fund Kenya. You have KES 50,000 saved. It is sitting in your bank account earning somewhere around 3% per year. You know a money market fund would do better. You have read about NSE stocks paying 9–10% dividends. You cannot decide which one to use — and every article you have…
Want to know how to invest in Kenya from abroad? You have been sending money home for years. Your family is stable, the bills are covered, and the remittances arrive on time every month. But lately you have started asking a different question: instead of money going to Kenya and disappearing into living expenses, can…
The average Kenyan bank savings account pays 3–4% per year. A money market fund pays 10–14%. On KES 100,000, that difference is KES 7,000–10,000 per year — earned or lost depending entirely on where your money sits. But not every financial goal suits a money market fund, and not every Kenyan is ready to move…
A supplier wants your business bank account details before they can process your order. A potential corporate client asks for your company account number for payment. Your accountant tells you that mixing personal and business transactions on the same M-Pesa line is creating a KRA audit problem. Or KCB has declined your business loan application…
You need money. You have three apps on your phone — Zidisha, Tala, and Branch — want to know the cheapest loan app as you are not sure which one will cost you the least. The answer is not obvious. Tala advertises low rates but charges differently from Branch. Zidisha operates on a completely different…
You got a job offer. It is lower than you expected. Your gut says salary negotiation is the way — but something stops you. Maybe it is the fear of appearing greedy or difficult. Maybe it is the memory of someone who pushed back on an offer and was made to feel ungrateful. Maybe it…
