Invest Ksh 10,000,000 at Credit Bank for 20 years.
At Credit Bank's current weighted-average deposit rate of 12.68%, a Ksh 10,000,000 deposit grows to about Ksh 124,621,383 after 20 years — about Ksh 114,621,383 in interest, assuming monthly compounding and no withdrawals.
Final balance
Ksh 124,621,383
12.46× your deposit
Deposited
Ksh 10,000,000
One-off, no withdrawals
Interest earned
Ksh 114,621,383
At 12.68% p.a.
Year by year
Contributions form the floor; interest compounds on top.
Could you earn more elsewhere?
The same Ksh 10,000,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 64,927,777 over the same 20 years. Run your own numbers on the compound interest calculator.