Savings Calculator

Use our Withdrawable Savings & Fixed Deposit Calculator to estimate how much you can withdraw from your savings, your potential loan top-up, and the interest earnings on fixed deposits based on your selected term and amount.

Withdrawable Savings Calculator

Calculate your withdrawable savings and potential loan top-up based on your savings and loan balances.

Calculation Details

Estimate how much you can withdraw from your savings and the potential loan top-up amount based on your current financial status with KCCA Cooperative.

Rules:
  • Secured Loans: Withdrawable Savings = Savings Balance - (Loan Balance / 3)
  • Unsecured Loans: Withdrawable Savings = Savings Balance - (Loan Balance / 2)
  • Loan Top-Up: Withdrawable Savings × 3
  • Negative results are displayed as zero.

Fixed Deposit Calculator

Calculate your potential returns from fixed deposit investments with our competitive interest rates.

Minimum deposit: UGX 1,000,000
Fixed Deposit Features
Benefits
  • Higher interest rates
  • Guaranteed returns
  • No risk to principal
  • Flexible term options
Terms & Conditions
  • Minimum deposit: UGX 1,000,000
  • Early withdrawal penalties apply
  • Interest paid at maturity
  • Auto-renewal option available
Note: Interest rates are subject to change. Current rates as of FY 2025: 9% for 3 months, 10% for 6 months, and 11% for 12 months.

Loan Calculator

Calculate your monthly repayments and total loan cost for various KCCA Cooperative credit facilities.

Minimum loan amount: UGX 100,000
Maximum term varies by loan type
Loan Calculator Details
Loan Types
  • Main: 14% p.a., 60 months
  • Land: 13% p.a., 60 months
  • Emergency: 16% p.a., 3 months
  • Estate Dev't:12.5% p.a.,60 months
  • School Fees: 13% p.a., 12 months
Terms
  • Min loan: UGX 100,000
  • Simple interest applied
  • Subject to credit approval
  • Repayment varies by loan type
Note: Calculations are estimates based on simple interest. Actual loan terms may vary based on KCCA Cooperative policies. Interest rates are current as of FY 2025.