Built on public CBK, NSE & KNBS data · Always free
When you lend to Kenya,
know what you earn.
Government bonds, made plain
Buying a government bond means lending your money to your own country, and being paid for it. We show you exactly what one pays after tax — in plain language, before you commit a single shilling.
Everything you need. No finance degree required.
The same analysis banks run on their trading desks, rebuilt for a phone, a KES 50,000 starting balance, and someone who has never bought a bond before.
What you actually earn
Enter what you would pay and see the return after tax — the figure that reaches your bank account, not the one on the poster.
Treasury bills, translated
A “9% discount rate” is not a 9% return. We do the conversion for 91, 182 and 364-day bills, and show what rolling them over would earn.
Money that arrives on time
Spread a lump sum so something matures each year — when school fees fall due, when you retire, when you need it.
Never miss an offer
Every Central Bank sale with the closing date, the official prospectus, and a walk-through of placing your bid on DhowCSD.
Payments in your calendar
Every interest payment and repayment date on your phone, with a reminder the day before. One tap.
Works without a network
Add it to your home screen and it keeps working on the matatu, in the shamba, wherever the signal goes.
Yours alone
No account, no sign-up, no e-mail. What you hold stays on your phone and is never sent to us.
Learn as you go
Six short lessons from your first KES 50,000 to a full ladder — plus every term explained in plain English.
Start with the why
Nobody wants a bond. They want the thing it pays for.
A school term. A quiet retirement. Rent covered without working for it. Tell us what you are saving towards, and we will shape the dates, the taxes and the payments around your life instead of the other way round.
Freedom from a payslip
How much you would need invested to live on the interest alone — and how close today’s savings already are.
School fees
Bonds chosen to repay in the years the fees fall due, so the money arrives with the invoice.
Income you don’t work for
Bonds that pay in different months, combined so something arrives most months of the year.
Keeping it safe
Short Treasury bills for money you may need soon, that still earn while it waits.
How it works
01
See what is really on offer
We rank every current government bond by what it pays you after tax — so the tax-free ones and the taxable ones can finally be compared honestly.
02
Shape it around your life
Say what the money is for and how much you have. We work out the cost, the payment dates and what lands in your hand.
03
Place your bid, then relax
Follow the step-by-step guide on DhowCSD, record what you bought, and let the app tell you when each payment is coming.
Mwangaza means light. That is the whole idea.
Kenya's bond market has been open to ordinary savers for years — most people were simply never shown the door. It is free, it works offline, and it asks nothing of you. Add it to your home screen and have a look around.
Have a look — it's free