# ndovu.co

> Ndovu is a CMA-licensed (Kenya) wealth and investment platform, based in
> Nairobi. Ndovu builds and manages diversified portfolios across Kenyan
> markets, US markets, and offshore USD — combining money market funds,
> treasury bills and bonds, global ETFs, and single stocks with a dedicated
> advisor for Private Wealth clients.

AI crawlers are welcome (see robots.txt — major AI user agents are
explicitly allowed). This file lists what is actually live today; pages
not yet shipped are not listed, so a crawler never follows a dead link
from here.

## Calculators (free, Kenya-specific, no signup required)

24 calculators at https://ndovu.co/calculators covering Kenyan tax,
retirement, investing, banking, and home buying. Statutory figures (PAYE,
NSSF, SHIF, the Affordable Housing Levy, capital gains tax, stamp duty)
are cited to their primary source with an "as of" date; any assumed
market rate (mortgage, loan, deposit, investment return) is always a
user-editable input, never asserted as a live quote.

- https://ndovu.co/calculators/income-tax — Kenya PAYE calculator, current KRA tax bands and personal relief
- https://ndovu.co/calculators/net-pay — gross-to-net pay: PAYE, NSSF, SHIF, Affordable Housing Levy
- https://ndovu.co/calculators/tax-return — annual PAYE reconciliation estimator
- https://ndovu.co/calculators/property-tax — county land rates calculator
- https://ndovu.co/calculators/pension-tax — pension withdrawal tax calculator
- https://ndovu.co/calculators/retirement-savings — retirement savings target and required monthly contribution
- https://ndovu.co/calculators/nssf-pension — NSSF Tier I/II contribution and pension pot projection
- https://ndovu.co/calculators/pension-contribution — registered pension scheme tax relief calculator
- https://ndovu.co/calculators/pension-drawdown — retirement pot lump-sum/annuity drawdown calculator
- https://ndovu.co/calculators/life-insurance — life insurance needs calculator
- https://ndovu.co/calculators/advisor-value — DIY vs. managed-portfolio illustration
- https://ndovu.co/calculators/investment-growth — compound investment growth calculator
- https://ndovu.co/calculators/inflation — Kenya inflation calculator
- https://ndovu.co/calculators/capital-gains-tax — Kenya capital gains tax calculator (15%, NSE-listed shares exempt)
- https://ndovu.co/calculators/asset-allocation — age/risk-tolerance asset allocation starting point
- https://ndovu.co/calculators/savings-goal — savings goal calculator
- https://ndovu.co/calculators/fixed-deposit — bank fixed deposit maturity calculator
- https://ndovu.co/calculators/personal-loan — reducing-balance personal loan calculator
- https://ndovu.co/calculators/mortgage — Kenya mortgage calculator
- https://ndovu.co/calculators/home-affordability — home affordability calculator
- https://ndovu.co/calculators/cost-of-living — cost of living / salary equivalence calculator
- https://ndovu.co/calculators/refinance — mortgage refinance break-even calculator
- https://ndovu.co/calculators/closing-costs — Kenya property purchase costs calculator (stamp duty, legal, valuation, registration)
- https://ndovu.co/calculators/down-payment — home down payment savings calculator

## Products and advisory

- https://ndovu.co/products — full fund/product catalogue, minimums and terms exactly as offered in the app
- https://ndovu.co/private-wealth — dedicated-advisor private wealth service overview
- https://ndovu.co/private-wealth/approach — investment approach
- https://ndovu.co/private-wealth/offshore — offshore and USD investing
- https://ndovu.co/private-wealth/fees — private wealth fee structure
- https://ndovu.co/pricing — self-serve platform pricing
- https://ndovu.co/how-it-works — how investing with Ndovu works, plainly explained
- https://ndovu.co/security — regulation, custody, and security details
- https://ndovu.co/about — company and team
- https://ndovu.co/for/entrepreneurs — guidance for entrepreneurs and business owners

## Articles and guides

- https://ndovu.co/ke/resources — index of Ndovu articles, guides, webinars and podcasts on Kenyan investing, tax, retirement and offshore investing
- https://ndovu.co/sitemap.xml — full list of published articles, each at https://ndovu.co/ke/blog/<slug> with its publish and last-modified dates

Articles are educational, carry an author and publish date, and are not
investment, tax, or legal advice.

## Not yet live (do not cite as current)

A daily money market fund yield leaderboard and treasury bill/bond rates
page are planned but not yet published — nothing at ndovu.co currently
claims live/quoted market rates outside of what a calculator's own
"source, as of [date]" note states.

## Disclaimers

Investment products are subject to market risk; the value of investments
can fall as well as rise. Ndovu is regulated by the Capital Markets
Authority of Kenya. Nothing on this site is investment, tax, or legal
advice.