Fixed-term investing
Save and invest with as little as $100. Earn up to 13% interest, fixed for the term you choose. Track every dollar in real time.
Active investors
Total invested, USD millions
Avg. annual return
Successful withdrawals
Why Cashnow
Your rate is locked the moment you invest. Every plan is a written commitment — the payout you're quoted is the payout you receive.
Request at maturity, receive the same day. Roll straight into a new plan in one tap if you'd rather keep compounding.
What you're quoted is what you receive — nothing held back.
Investment calculator
Pick a plan, enter an amount, and see your exact projected return — no commitment needed.
Enter an amount and pick a plan
Choose a plan
Interest Earned
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Maturity Amount
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Effective Return
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Term
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How it works
From your first deposit to the day your investment matures — a straight line, nothing hidden in between.
Fund your account by bank transfer, card, or mobile money. Deposits settle in seconds.
Select a term and rate that matches your goals — from 3 months to 3 years.
Watch your principal grow daily against your fixed rate, in real time.
Request a withdrawal in one tap. Funds arrive back in your account within the day.
Investment plans
Every plan is a written commitment. No moving targets, no surprise fees, no discretionary changes.
Your money, over time
A single example, end to end. What you put in, how long it works for you, and what you take out at the end.
USD
769
Months
12
APY
12%
USD
861
The math, in plain english
Built to earn trust
Everything we ship is designed to earn trust — from the words we use to the way we hold your money.
Every plan is a fixed-rate contract. You'll know the payout before you invest.
Funds are held with a regulated custodian in segregated accounts — never commingled.
No management, performance, or exit fees. What you're quoted is what you receive.
Terms from three months to three years. Match your commitment to your goals.
Request at maturity, receive the same day. Rollover in one click if you'd like.
Daily accrual, progress bars, and maturity countdowns — right in your dashboard.
Inside the product
No noisy charts, no fabricated urgency — just what your money is doing today and when it comes back.
Portfolio value
$9,884
Total invested
$8,615
Interest earned
$1,269
Available
$325
Trusted quietly
“Cashnow feels like the opposite of a trading app — quiet, deliberate, and honest about what my money is doing.”
Amina Otieno
Physician, Nairobi
“I know my rate. I know my maturity date. I know my payout. That's exactly what I was looking for.”
David Kimani
Founder, Kajiado
“The dashboard is the only fintech product I've kept on my home screen for more than a month.”
Priya Shah
Product designer, Mombasa
FAQ
You pick a plan with a fixed term and rate. Your funds are held with our custodian and earn interest daily against the rate you locked in. At maturity, principal plus interest becomes available to withdraw.
Start today
Open an account in under three minutes. Fund it whenever you're ready. Your first plan can be as small as $100.
Right now
Locked rate for 12 months
$385 minimum
Withdraw same-day at maturity