How To Invest And Earn Daily In Kenya – 5 Legit Ways To Start With As Little As Ksh 100

Introduction

Looking to invest and earn daily in Kenya? You’re not alone. Many Kenyans today want investments that generate consistent, daily returns without requiring a fortune. Whether you’re a student, side hustler, stay-at-home parent, or salaried worker, there are options tailored to your lifestyle.

This guide explores legit investment platforms in Kenya that offer daily income potential — from money market funds to ride-hailing assets and mobile investment apps.

Important Disclaimer: Understand the Risks

Investing always carries risks. While this guide focuses on legitimate options, no investment is entirely risk-free. Daily returns can fluctuate, and past performance is not indicative of future results. Always do your own thorough research (due diligence) and consider consulting a qualified financial advisor before making any investment decisions. Only invest what you can afford to lose.

It’s also wise to clear your CRB before investing, especially if you plan to access credit-based platforms or business financing.

Can You Really Invest and Earn Daily in Kenya?

Yes — but with realistic expectations. Most options that allow you to invest and earn daily in Kenya fall under:

Digital micro-investments
Passive income tools
Automated savings with interest
Business assets earning per day

Let’s break down the top 5 legit options.

1. Use Safaricom Mali for Daily Interest Payouts

Safaricom Mali is a mobile-based investment platform accessible via M-PESA. It allows users to invest as little as Ksh 100 and earn interest daily. As of the latest rates:

Safaricom Mali interest rate per day: Approximately 10% annually, compounded daily
Access it by dialing *230#
Funds are invested in a licensed money market fund

How it works:
Once registered, your M-PESA funds are redirected into a secure money market fund that earns interest daily. You can withdraw anytime with no penalties. It’s perfect for beginners looking to invest and earn daily in Kenya with low risk.

2. Invest in the Cytonn Money Market Fund

Cytonn Money Market Fund is one of the most popular MMFs in the country. Here’s why:

Competitive daily interest
Accessible via app or web
Secure and regulated

For real-time estimates, chat with support on their website — they help you estimate how much you’ll earn daily based on your input.

How it works:
Download the Cytonn app, register, and deposit funds via mobile money or bank. Your money starts accruing daily interest immediately. You can start investing with as little as Ksh 1,000, making it ideal for anyone who wants to invest and earn daily in Kenya with flexible deposits.

3. Explore Diverse Online Investment Platforms

Several online investment platforms and apps are available in Kenya, catering to different investment goals and risk appetites. Many of these allow for money market fund investments, which typically accrue interest daily, while others offer exposure to stocks and ETFs with potential for capital gains.

Popular options:

Platform	Primary Offering	Return Structure	Risk Level	Minimum Investment
Chumz	Savings/Investment	Variable (daily accrual implied)	Low	Ksh 100
Cashlet	Money Market Funds (MMFs)	Up to 16% p.a. (daily interest accrual)	Low	Ksh 100
Ndovu (MMF)	Money Market Fund (MMF)	Up to 13.06% p.a. (daily interest accrual, as of Dec 2024)	Low	Ksh 500

Beyond MMFs:

Ndovu: Also provides access to Exchange-Traded Funds (ETFs), bonds, and fractional shares of global and US stocks. While these don’t offer daily interest payouts, they provide opportunities for capital growth and diversification. Ndovu is regulated by the CMA.
Ziidi: An M-Pesa-integrated Money Market Fund offering a competitive net annual return (e.g., around 7% as of March 2025), with daily interest payouts and instant withdrawals to M-Pesa.
Dosikaa: Focuses on real-time trading of stocks listed on the Nairobi Securities Exchange (NSE). It provides live market data and portfolio tracking. Returns are based on market performance rather than daily interest.
Hisa: Offers fractional shares of both NSE and global stocks with a low minimum investment. It also includes in-app community insights and educational resources. Returns are tied to stock market performance and carry higher risk.

Tip: Choose only legit online investment platforms in Kenya. Avoid Ponzi schemes or apps that aren’t registered locally. Always verify a platform’s registration and licensing with relevant regulatory bodies like the Capital Markets Authority (CMA) or the Central Bank of Kenya (CBK) before investing.

4. Lease Out a Tuk Tuk or Boda Boda for Daily Income

Physical assets still work. Many investors buy or lease out:

Tuk tuks for delivery apps (Glovo, Uber Eats)
Boda bodas for errands & short rides
Small cars for Uber/Bolt

How it works:
You purchase or co-own a vehicle and lease it to a driver under a daily repayment plan. Profits come in every evening after fuel and expenses are deducted.

Daily returns: Range from Ksh 300–Ksh 1,200 depending on the location.
You’ll need management systems, but this is a proven way to invest and earn daily in Kenya.

5. Save with Money Market Funds in Kenya

Most money market funds in Kenya offer daily or weekly compounded interest. While Safaricom Mali, Cytonn, Equity, Zimele, and NCBA are popular choices, Kenya boasts many other reputable and licensed Money Market Funds.

Additional well-known MMFs include:

Equity Money Market Fund — Offers competitive rates and easy onboarding via Equity Eazzy app
Zimele MMF — Low starting capital and flexible mobile deposit options
NCBA Money Market Fund — Accessible via Loop app and known for stability
CIC MMF
Old Mutual MMF
Britam MMF
Sanlam MMF
Madison MMF
ICEA MMF
GenAfrica MMF
Kuza MMF

How it works:
Open an MMF account with the provider, deposit funds via bank or mobile money, and start earning daily interest. Most allow easy withdrawals within 1–3 working days. They’re regulated, transparent, and ideal for those who prefer steady, reliable returns without market speculation.

How Much Can You Realistically Earn Daily?

Average earnings per Ksh 1,000 invested:

Safaricom Mali: Ksh 0.30–Ksh 1 per day
Cytonn MMF: Ksh 0.40–Ksh 1.20 per day
Online MMFs (e.g., Cashlet/Ndovu): Ksh 0.30–Ksh 1.60 per day
Boda/Tuk tuk lease: Ksh 500–Ksh 1,000 daily

Note: Stock trading platforms like Dosikaa and Hisa may provide capital gains, but returns are market-dependent and not guaranteed daily.

Final Tips Before You Invest and Earn Daily in Kenya

Do your due diligence — especially for online apps
Use regulated platforms (check CMA or CBK)
Start with small capital to test returns
Track your earnings using apps or notebooks
Consider diversification to spread your risk
Be patient — while these options offer daily earnings, significant growth often requires time

FAQs

What is the best platform to invest and earn daily in Kenya?

For low risk, Safaricom Mali and Money Market Funds like Cytonn, Cashlet, or Ndovu’s MMF are top options. For higher-risk, potentially higher-return ventures like stock trading, platforms like Dosikaa or Hisa might be considered if aligned with your risk tolerance.

How much can I earn daily with Ksh 1,000?

For MMFs, typically between Ksh 0.30 to Ksh 1.60 depending on the platform and interest rate. Returns from stock trading platforms can vary significantly.

What’s the safest online investment in Kenya right now?

Money market funds in Kenya, especially through banks or CMA-licensed providers, are generally considered the safest due to regulation and lower volatility.

Conclusion: Start Your Journey Towards Daily Earnings in Kenya

Investing to earn daily in Kenya is a realistic goal, provided you approach it with legitimate strategies and a clear understanding of the associated risks. From the accessible, low-risk daily interest offered by Money Market Funds like Safaricom Mali, Cytonn, Cashlet, and Ndovu, to the more hands-on asset leasing of tuk-tuks and boda-bodas, diverse avenues exist for consistent income generation.

The key to success lies in:

Due diligence
Choosing regulated platforms
Starting within your comfort zone
Maintaining a long-term perspective

While the promise of daily earnings is enticing, it’s crucial to prioritize security and informed decision-making over quick, unsustainable gains.

Take the first step today. Whether it’s setting up a small daily contribution to an MMF or exploring the mechanics of asset leasing, empower yourself with knowledge and choose the path that aligns best with your financial aspirations in Kenya.

Looking for more flexible income streams? Explore these online side hustles in Kenya you can start with just your phone to complement your daily investments.