Plan by objective
Start from what the money is for and we will shape the bonds around it — school fees falling due in a particular year, an income you need every month, capital you cannot afford to lose, or a retirement date. Every figure is after Kenyan withholding tax.
Why starting from the goal changes the answer
Picking the highest yield and picking the right bond are different problems. Money needed in a particular year wants a bond that matures near it, because selling early means taking whatever price you are quoted on the day — and this app publishes no secondary prices precisely because that price is not knowable in advance. Money you want as income wants coupons that land through the year, which is a question about payment dates rather than about rates.
Those constraints usually cost a little yield. The trade is deliberate: a plan that forces you to sell at the wrong moment is worse than one that pays slightly less and does not.
Every figure here is after tax
Withholding is applied before anything is compared: nothing on infrastructure bonds, 10% at an original tenor of ten years or more, 15% below. Comparing gross coupons would rank the options wrongly, and the ranking is the whole output of this page.
What this page cannot tell you
Whether the goal itself is the right one. It takes your dates and amounts as given and shapes bonds around them; it does not judge whether the target is affordable or the horizon sensible. It also assumes you hold to maturity, because that is the only path whose return can be worked out in advance from public figures. See where every figure comes from.