Invest Ksh 100,000 at Standard Chartered Bank Kenya for 20 years.
At Standard Chartered Bank Kenya's current weighted-average deposit rate of 3.14%, a Ksh 100,000 deposit grows to about Ksh 187,232 after 20 years — about Ksh 87,232 in interest, assuming monthly compounding and no withdrawals.
Final balance
Ksh 187,232
1.87× your deposit
Deposited
Ksh 100,000
One-off, no withdrawals
Interest earned
Ksh 87,232
At 3.14% p.a.
Year by year
Contributions form the floor; interest compounds on top.
Could you earn more elsewhere?
The same Ksh 100,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 649,278 over the same 20 years. Run your own numbers on the compound interest calculator.