Kenya Finance Calculator

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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 calculatorM-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, affordable housing 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

PAYE

Kenya PAYE Net Salary Calculator

Flagship SEO page and the base engine for payroll tools.

Salary

Gross to Net Salary Calculator

Same tax engine with customizable employee deductions.

Salary

Net to Gross Salary Calculator

Estimate the gross salary needed for a target net pay.

Health

SHIF Calculator

Standalone statutory deduction page for health contributions.

Pension

NSSF Calculator

Dedicated page for employee and employer NSSF estimates.

Housing

Housing Levy Calculator

Estimate employee and employer affordable housing levy deductions.

WHT

Withholding Tax (WHT) Calculator

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

Loans and borrowing

Loan and borrowing tools

Personal

Personal Loan Calculator

Estimate monthly repayment, interest and total loan cost.

Vehicle

Car Loan Calculator

Estimate vehicle finance repayment after deposit and fees.

Customs

Car Import Duty Calculator

Estimate KRA vehicle import taxes, excise and port clearance.

Mortgage

Mortgage Affordability

Estimate property price from income, debts and deposit.

SACCO

SACCO Loan Calculator

Estimate eligibility from deposits, multiplier and loan terms.

Mobile money and banking

Banking and mobile money tools

M-PESA

M-PESA Charges & Tariffs

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

T-Bills

Kenya Treasury Bills & Bonds

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

SACCO

SACCO Dividend & Interest

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

FD

Bank Fixed Deposit (FD)

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

Savings and investment

Savings and investment tools

Growth

Compound Interest

Estimate savings and investment growth over time.

Savings

Savings Goal Calculator

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

MMF

MMF Returns Calculator

Estimate interest, withholding tax and final balance.

Retirement

Retirement Planner

Estimate long-term retirement savings from contributions.

Debt management

Debt management tools

Payoff

Debt Payoff Calculator

Estimate payoff time, total paid and interest.

Cards

Credit Card Payoff

Plan high-interest card repayment scenarios.

Strategy

Debt Snowball Planner

Target the smallest balance first.

Consolidate

Debt Consolidation

Compare current debts against a consolidation loan.

Property and real estate

Property and real estate tools

Yield

Rental Yield Calculator

Estimate gross and net rental yield.

Transfer

Stamp Duty Calculator

Estimate land transfer costs in Kenya.

Tax

Capital Gains Tax

Estimate CGT for property disposal.

ROI

Property ROI

Compare total return after costs.

Business planning

Business and property tools

SME

Break-Even Point Calculator

Estimate sales volume and revenue needed to cover business overheads.

KRA

VAT & Turnover Tax (TOT)

Calculate 16% VAT (add/extract) and 3% SME Turnover Tax liability.

Margin

Profit Margin & Markup

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

ROI

Commercial ROI & Payback

Estimate capital return, payback timeframe, and annualized ROI.