Kenya T-bill Ladder Planner

Plan your T-bills so cash comes back on a regular rhythm.

Split your money into "rungs" bought a few weeks apart. The planner shows what each bill costs, the 15% tax, your interest after tax and when each one matures, using the Central Bank of Kenya's own price formula.

What's inside

• Ladder planner: type your amount, bill length (91, 182 or 364 days), number of rungs and weeks between them
• Face values rounded to the KSh 50,000 DhowCSD steps, with the leftover cash shown
• Checks whether your ladder is even, so a bill matures at regular intervals
• Comparison with keeping the same cash in a money market fund
• 3-year cash calendar with a chart
• Rates from the auction dated 12 Oct 2026, easy to update each week

Made for Microsoft Excel (desktop or Microsoft 365). Free from Akiba Lab, makers of the free calculators at akibalab.co.ke.

For education only, not financial advice. Check current rates with the Central Bank of Kenya before you invest.