Use this to compare a Money Market Fund against a Treasury Bill for a real amount of money. Enter your own figures, or use the defaults, which reflect typical rates as of September 2026 — always confirm current numbers before investing.
Money Market Fund vs Treasury Bill Calculator
Illustrative only — MMF yields move with the market and are never guaranteed; Treasury Bill returns shown assume you hold to maturity at the entered rate. Confirm current rates with your bank, fund manager, or the CBN before investing. This is not personalized financial advice.
Want the full picture first? Read Money Market Funds vs Treasury Bills: Where Should You Keep ₦500,000 in Nigeria?, Money Market Funds Explained, or How to Invest in Treasury Bills in Nigeria.
Still deciding what to do with the money at all? See I Have ₦500,000. Should You Invest It, Save It, or Use It to Clear Debt?.
Related reading: Working with a larger amount? See I Have ₦1 Million. What Should I Do With It?.
Related reading: For the general version of this question, see Should You Pay Off Debt or Start Investing?.
Related reading: Wondering where your emergency fund itself should actually sit? See Should You Keep Your Emergency Fund in Cash or a Money Market Fund?.
Related reading: Not sure which instrument fits your timeline? See Where Should You Put Your Money for 6 Months, 1 Year, or 5 Years?.