About Kenya Finance Calculator

Our Mission

Kenya's personal and business finance landscape evolves rapidly with statutory acts, tax amendments, and shifting economic policies. Our mission is to make financial calculations accessible, friction-free, and simple to understand for every Kenyan—without requiring complex spreadsheets or expensive consultations.

Statutory Accuracy & Legal Framework

All our salary, tax, and property calculators are continuously updated and audited against official gazetted legislation:

• Income Tax Act (Cap. 470): PAYE graduated income tax bands, KSh 2,400 monthly personal relief, Withholding Tax (5%, 10%, 15%), and insurance reliefs.
• Affordable Housing Act 2024: 1.5% employee and 1.5% employer levy treated as an allowable tax deduction.
• Social Health Insurance Act (SHIA 2023): 2.75% gross salary SHIF contribution treated as an allowable deduction.
• NSSF Act 2013: Year 4 statutory Tier I (KSh 9,000 max) and Tier II (KSh 108,000 max) pension caps.
• Central Bank of Kenya (CBK) & DhowCSD: Treasury Bill discount pricing (91, 182, 364 days), 15% WHT, and tax-exempt Infrastructure Bonds (IFB).
• Safaricom M-PESA & Mobile Money Regulations: Official tariff bands for peer-to-peer transfers, agent cash withdrawals, Pochi la Biashara, and 20% statutory financial Excise Duty.
• SASRA (SACCO Societies Regulatory Authority): Regulated deposit-taking SACCO share capital dividends, interest on deposits (BOSA), 5% WHT, and 3× borrowing multipliers.
• VAT Act 2013 & SME Turnover Tax (TOT): 16% standard VAT, 3% Turnover Tax on gross receipts, and eTIMS invoicing rules.
• EAC Common External Tariff (CET) & KRA Customs: Motor vehicle import duties (35%), excise scales, 16% VAT, IDF (2.5%), RDL (1.5%), and CRSP depreciation.

Strict Privacy & Data Protection Guarantee

We believe your financial data is confidential. All calculations on financecalcke.co.ke execute entirely inside your browser (client-side JavaScript). We do not record, store, or transmit your salary numbers, loan figures, or business invoices to any external database or third party.

Contact & Feedback

Have feedback, noticed a recent legal change, or want to suggest a new calculator? We would love to hear from you.

Official Contact Email: financecalcke@outlook.com