UTT Calculator

Estimate how your money could grow in a UTT AMIS unit trust fund. Pick a fund, enter your initial investment and an optional monthly contribution, and see the projected value over time.

FundInitial investment

TSh

= 1,000,000 TShMonthly contribution

TSh

Years

Projected value

TSh 1,489,846

Total investedTSh 1,000,000

Growth (return)TSh 489,846

Assumed annual return8%

Illustrative assumptions reviewed: 8 September 2026 — the assumed returns shown (8–13%) are illustrative targets, not guarantees, and can change. Verify current rates with UTT AMIS before investing.

Share on WhatsApp

How it works

Your investment grows with compound interest credited monthly. P is the initial amount, PMT the monthly contribution, r the annual return, and n the number of years.

FV = P(1 + r/12)^(12n) + PMT × ((1 + r/12)^(12n) − 1) ÷ (r/12)

Worked examples

1,000,000 TZS in a fund with an assumed annual return
Salma had 1,000,000 TZS sitting in a bank account in Tanga and moved it into the fund.
1,000,000 TZS in the Money Market Fund at 8% for 5 years grows to about 1,489,846 TZS.
The same amount over a longer period
The same 1,000,000 TZS left for ten years instead of five.
1,000,000 TZS in the Money Market Fund at 8% for 10 years grows to about 2,219,640 TZS.
A higher-return fund over the same five years
Salma comparing the higher-return fund with the Money Market Fund she already used.
The same 1,000,000 TZS in the Balanced Fund, whose indicative return is the highest of the funds listed, would reach about 1,842,435 TZS after five years at 13%, against about 1,469,328 TZS at the Money Market Fund's 8%. The whole difference comes from the assumed return, not from anything the funds have undertaken to pay.

What this assumes, and where it does not apply

What it assumes

The return rates shown are illustrative targets, not guarantees, and are stated as such wherever they appear.
Compounding is annual and no fees, entry charges or taxes are deducted.
The full balance stays invested for the whole period, so a partial withdrawal or a switch between funds is not modelled.

Where the result does not apply

Unit trust returns are not fixed: the value of units rises and falls with the underlying investments, and can be worth less than was invested.
Actual fund performance, fees and charges come from UTT AMIS, not from this page.
Not investment advice, and not a projection of any particular fund's future return.
It does not apply to a fund whose return is quoted after fees while another is quoted before them, because the two figures would then not be measuring the same thing.

UTT AMIS funds

Illustrative annual returns below are indicative target rates, not guarantees. Illustrative assumptions reviewed: 8 September 2026. Verify current rates with UTT AMIS before investing.

Fund	Illustrative return	Description
UTT Money Market Fund	8%	Low-risk, short-term money market investments.
UTT Liquid Fund	9%	Short-term liquidity with modest returns.
UTT Bond Fund	11%	Invests in government and corporate bonds.
UTT Balanced Fund	13%	A mix of equities and fixed income.
Jikimu Fund	12%	Long-term education savings for children.

Frequently asked questions

What is UTT AMIS?

UTT Asset Management and Investor Services (UTT AMIS) is Tanzania's government-backed investment company that manages collective investment schemes (unit trusts).

Which UTT fund is right for me?

Money Market and Liquid funds suit short-term, low-risk goals, while Balanced and Jikimu funds suit longer-term goals that can tolerate more risk.

Are these returns guaranteed?

No. The figures are illustrative. Unit trust returns vary with market performance — always verify current rates with UTT AMIS.

Are UTT returns paid monthly?

The return shown is an indicative annual figure. This tool credits it once a year, so a fund that credits the same annual rate monthly would produce a slightly higher figure, because each month's return starts earning sooner.

Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.

Delta Tech Solutions prepared this page. No external tax, accounting or legal professional reviewed it — the figures were checked against the sources listed above, and you should confirm anything you rely on with the authority that sets it.

Sources: UTT Asset Management and Investor Services (AMIS)

Maintained by David M at Delta Tech Solutions · Figures last checked 10 October 2026 · Next check due 10 April 2027

Read the guide: UTT AMIS Investments Explained →

Related calculators

Finance

Embed this calculator

Add this calculator to your site with a few lines of HTML. It stays free and includes a link back to www.calculator.co.tz.

<iframe
  src="https://www.calculator.co.tz/embed/utt-calculator"
  title="UTT Calculator"
  width="600"
  height="520"
  style="max-width:100%;border:0;"
  loading="lazy"
  allow="clipboard-write"
></iframe>