It's impossible to tell.
But it depends on how hard you're working in those exercise hours. When I started really hard serious training, PLUS taking control of my nutrition and tracking what I was eating, I dropped about 10 kilos in 9 months.
I've now been doing this training for 8 years: a mix of heavy weightlifting (I'm now deadlifting almost 1.5 times my body weight) and HIIT/metcon style functional fitness training 4 times a week, and I have visible muscular development, although I'm never going to be lean or shredded (too old, don't care that much).
But even if I don't have obvious abs, I am very very strong for my age (I'm nearer 70 than 60), have very high energy levels, still work in a high pressure high standards job, have excellent balance and mobility, and I'm strong enough to manage my suitcases when I'm travelling. The benefits are evident in my life every single day. I'm starting not to care too much about aesthetics. I'm the fittest & strongest I've ever been in my life, and I've always done some sort of exercise (dance trained).
So it'll depend on your age, your previous fitness, your nutrition & calories, and things like mobility.
ETA: it's really hard for women to build muscle. So "toning" is simply dropping body fat in areas where the muscles are underlying eg biceps, abs. Toning is not building muscle. To build muscle you need to train much harder than you think you can!