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Simulate your future

Financial future simulator

Project what your savings could grow to by retirement, adjusted for inflation, and what monthly income that could pay you in today's shillings.

Updated 26 Sep 2026Kenya · KESFree · no sign-up

Your numbers

Filled with example figures. Change them to yours.

years
years
Kenya's public-service retirement age is 60.
KES
KES
%
Roughly your expected yearly pay rise.
% / yr
% / yr
Kenya's inflation was 6.5% in July 2026.
KES
Your resultMETRIKA
KES 7.81M in today's money

At 60, that could pay you about KES 26,035 a month in today's shillings, or 43% of what you spend now.

43Building
At retirement
KES 58.6M
In today's money
KES 7.81M
First real million
Age 33
+KES 5,000 / mo adds
KES 2.45M
Financial future simulatormetrika.co.ke · 26 Sep 2026

What does it mean?

Saving KES 15,000 a month, rising 5% a year, and earning 9%, you could reach KES 58.6M by age 60. After 6.5% inflation, that buys what KES 7.81M buys today.

Using the 4% rule of thumb, that supports about KES 26,035 a month in today's money. To cover all of today's spending of KES 60,000, you'd need about KES 18.0M in today's money.

Saving an extra KES 5,000 a month adds about KES 2.45M in today's money by retirement. Starting early matters more than the amount.

Your savings path

Nominal balance versus its value in today's shillings

025.0M50.0M75.0M100.0M2833384348535860
BalanceIn today's money

Watch it explained. Short METRIKA videos on money, tax and big decisions in Kenya.

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How METRIKA calculates this

Savings compound monthly at the investment return, with the monthly contribution added at the end of each month and raised once a year. The balance in today's money divides by (1 + inflation)^years.

Retirement income uses the 4% rule: withdrawing about 4% of the portfolio a year has historically lasted around 30 years. It is a rough guide, not a guarantee. The Freedom Score compares that income with your spending today (100 = fully covered).

What to know in Kenya

Kenyan savers commonly use money market funds, Treasury bills and bonds, SACCO deposits, NSSF and occupational pensions. Interest from these is usually taxed at 15% withholding tax, with infrastructure bonds tax-free. Returns in the model are before tax and fees, so use a net figure if you know it. Inflation was 6.5% in July 2026 (KNBS, via CBK).

Frequently asked questions

What return should I assume?

Use a return a little above inflation for cautious savings, and higher only for long-term diversified investing. Past returns don't predict future ones.

What is the 4% rule?

A guide that says withdrawing about 4% of your savings in the first year of retirement, then adjusting for inflation, has usually lasted around 30 years.

Does NSSF count?

Yes. Add your NSSF and pension balances to today's savings, and include your monthly NSSF contributions in monthly saving.

Sources

Rates checked 26 Sep 2026. METRIKA gives estimates, not financial or tax advice.