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Kenya Finance Calculator

Fast, clear calculators for Kenya salaries, PAYE, SHIF, NSSF, M-PESA tariffs, CBK Treasury Bills & Bonds, SACCO dividends, loans, and business planning.

Try salary calculator M-PESA & banking

Salary & StatutoryPAYE, SHIF, NSSF, Housing Levy

Mobile Money & BankingM-PESA Tariffs, CBK T-Bills & IFBs

Savings & BusinessSACCOs, MMFs, Loans, VAT & ROI

Featured calculator

Kenya PAYE Net Salary Calculator

Uses Kenya PAYE bands, personal relief, insurance relief, NSSF Year 4 rates, SHIF and Affordable Housing Levy assumptions. This is an estimate, not tax advice.

Salary and tax

Salary and tax tools

Kenya PAYE Net Salary Calculator

Flagship SEO page and the base engine for payroll tools.

Gross to Net Salary Calculator

Same tax engine with customizable employee deductions.

Net to Gross Salary Calculator

Estimate the gross salary needed for a target net pay.

SHIF Calculator

Standalone statutory deduction page for health contributions.

NSSF Calculator

Dedicated page for employee and employer NSSF estimates.

Housing Levy Calculator

Estimate employee and employer affordable housing levy deductions.

Withholding Tax (WHT) Calculator

Estimate KRA withholding tax on services, rent, dividends and contracts.

Loans and borrowing

Loan and borrowing tools

Personal Loan Calculator

Estimate monthly repayment, interest and total loan cost.

Car Loan Calculator

Estimate vehicle finance repayment after deposit and fees.

Car Import Duty Calculator

Estimate KRA vehicle import taxes, excise and port clearance.

Mortgage Affordability

Estimate property price from income, debts and deposit.

SACCO Loan Calculator

Estimate eligibility from deposits, multiplier and loan terms.

Mobile money and banking

Banking and mobile money tools

M-PESA Charges & Tariffs

Estimate sending fees, agent cash withdrawals, and Pochi/Till payments.

Kenya Treasury Bills & Bonds

Calculate 91/182/364-day CBK T-Bill discounts and tax-free IFB bond returns.

SACCO Dividend & Interest

Calculate annual dividend payouts on deposits & shares minus 5% WHT.

Bank Fixed Deposit (FD)

Calculate bank fixed deposit interest and net payout after 15% withholding tax.

Savings and investment

Savings and investment tools

Compound Interest

Estimate savings and investment growth over time.

Savings Goal Calculator

Estimate how long it may take to reach a target amount.

MMF Returns Calculator

Estimate interest, withholding tax and final balance.

Retirement Planner

Estimate long-term retirement savings from contributions.

Debt management

Debt management tools

Debt Payoff Calculator

Estimate payoff time, total paid and interest.

Credit Card Payoff

Plan high-interest card repayment scenarios.

Debt Snowball Planner

Target the smallest balance first.

Debt Consolidation

Compare current debts against a consolidation loan.

Property and real estate

Property and real estate tools

Rental Yield Calculator

Estimate gross and net rental yield.

Stamp Duty Calculator

Estimate land transfer costs in Kenya.

Capital Gains Tax

Estimate CGT for property disposal.

Property ROI

Compare total return after costs.

Business planning

Business and property tools

Break-Even Point Calculator

Estimate sales volume and revenue needed to cover business overheads.

VAT & Turnover Tax (TOT)

Calculate 16% VAT (add/extract) and 1.5% SME Turnover Tax liability.

Profit Margin & Markup

Estimate gross profit, product markup %, and net monthly profit.

Commercial ROI & Payback

Estimate capital return, payback timeframe, and annualized ROI.

Guides and explainers

Kenya finance guides

Kenya PAYE Tax Bands 2026 Explained

How Kenya's progressive PAYE bands work in 2026, which deductions reduce taxable pay, and a full worked example.

Banking & Mobile Money

M-PESA Charges 2026: Send, Withdraw, Till & Paybill

Every M-PESA tariff in one place: sending, agent and ATM withdrawals, Pochi, Till and Paybill, plus how to avoid needless fees.

NSSF Year 4 Contribution Rates Kenya

How the NSSF Year 4 tiers work, the 6% employee and employer rates, and the maximum monthly contribution.

SHIF Contribution Kenya 2026 (2.75%)

What SHIF is, how the 2.75% contribution is calculated, worked examples, and how it affects your net salary.

Affordable Housing Levy Kenya Explained

The 1.5% employee and employer Affordable Housing Levy explained, with examples and its effect on take-home pay.

Loans & Borrowing

Car Import Duty Kenya 2026: Full Breakdown

How KRA calculates import taxes on used cars: CRSP, depreciation, duty, excise, VAT, IDF and RDL, with a worked example.

Banking & Mobile Money

Kenya Treasury Bills vs Bonds: How to Invest

T-Bills vs bonds in Kenya: tenors, minimums, pricing, withholding tax, tax-free IFBs, and how to start investing.

How to Calculate Net Salary in Kenya

Convert gross salary to take-home pay in Kenya: every deduction, the order of calculation, and a worked example.

VAT & Turnover Tax for Kenyan SMEs

VAT vs Turnover Tax for Kenyan small businesses: registration thresholds, adding and extracting 16% VAT, and the 1.5% TOT.

Debt Payoff Strategies in Kenya: Snowball vs Avalanche

Snowball vs avalanche, what minimum payments really cost, and how to estimate your debt-free date in Kenya.

Property Buying & Selling Costs in Kenya

Stamp duty (4% urban, 2% rural), other buying costs, and the 15% CGT you pay when selling property in Kenya.

Flat Rate vs Reducing Balance Loans in Kenya

Flat rate vs reducing balance, a worked example of the true cost, and the fees to compare before signing.

Investment Tools

Money Market Funds in Kenya: Returns & Tax

How MMF interest is earned, the 15% withholding tax, and how funds compare with fixed deposits and Treasury Bills.

Salary & Tax Tools

Withholding Tax (WHT) Rates in Kenya

Who deducts withholding tax, the resident and non-resident rates, and how WHT affects what you are paid.

Profit Margin vs Markup for Kenyan Businesses

How margin and markup differ, why a 30% markup is not a 30% margin, and how to price for profit after costs and VAT.

View all guides