Fructa | Track MMF, T-Bills

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About this app

Fructa brings Kenya's investment rates into one place, so you can see what your money could earn before you commit to anything.

Most people compare savings and investment options across scattered websites, PDFs, and WhatsApp messages. Fructa collects current rates for money market funds, Treasury bills, bonds, fixed income funds, and SACCOs, and presents them in a clear, consistent format you can actually compare.

What you can do

- Compare current yields across money market funds in Kenyan shillings and US dollars, plus Treasury bills, bonds, and other fixed income funds.
- See the numbers that matter: the gross rate, the net rate after the 15 percent withholding tax, and the real return measured against current inflation.
- Follow rate history with simple charts, so you see how a fund has moved over time rather than a single snapshot.
- Check each fund against benchmarks, including the current inflation rate, the Central Bank Rate, and recent Treasury bill auction rates.

Track your own portfolio

- Add the funds and instruments you already hold and see a single consolidated total in Kenyan shillings.
- View your allocation across fund types at a glance.
- Use the projection tools to estimate how a holding could grow over time, with withholding tax applied where relevant so the figure reflects what you would keep.

Built for clarity

- Consistent, comparable figures instead of marketing language.
- Clean charts and readable numbers.
- Rate data drawn from public sources including the Central Bank of Kenya, the Capital Markets Authority, and fund managers.

Important

Fructa is an information and comparison tool. It shows publicly available rate data and lets you track holdings you manage elsewhere. It does not hold your money, process transactions, or place trades on your behalf.

Fructa does not provide financial, investment, tax, or legal advice, and nothing in the app is a recommendation to buy or sell any product. Rates change, and past performance does not guarantee future results. Always confirm figures with the provider, and consider speaking to a licensed financial advisor before making a decision.

What’s new

Welcome to Fructa, Kenya's investment rates in one place.

- Compare money market, T-bill, bond and SACCO rates in KES and USD.
- See net returns after tax and real returns against inflation.
- Track your holdings with totals, allocation and projections.
- Follow rate history and live benchmarks.

Thanks for trying Fructa.