Kenya Finance Calculator

Mobile money

Free M-PESA Charges Calculator Kenya 2026

Calculate M-PESA charges instantly. Check Safaricom fees for sending money, withdrawing cash at agents, Pochi la Biashara, Buy Goods (Till), Paybill, and ATM withdrawals.

Official Safaricom M-PESA Tariff Highlights

Rates include statutory 20% Excise Duty as regulated by the Central Bank of Kenya.

Income Band / CategoryRate / LimitNotes
KSh 1 – 100Free (KSh 0)Free to registered users
KSh 101 – 500KSh 7 Send / KSh 29 WithdrawStandard mobile transfer tier
KSh 501 – 1,000KSh 13 Send / KSh 29 WithdrawStandard mobile transfer tier
KSh 1,001 – 2,500KSh 23–33 Send / KSh 29 WithdrawStandard mobile transfer tier
KSh 2,501 – 5,000KSh 52–57 Send / KSh 52–69 WithdrawStandard mobile transfer tier
KSh 10,001 – 20,000KSh 100–105 Send / KSh 167–185 WithdrawStandard mobile transfer tier
KSh 20,001 – 250,000KSh 108 Send / KSh 197–309 WithdrawHigh-value transaction tier (KSh 250k max per tx)

How to use this M-PESA tariff calculator

Select the transaction type (Send Money to registered user, Agent Withdrawal, Pochi la Biashara, Buy Goods/Till, Paybill, ATM), enter the amount, and get the exact Safaricom fee. Perfect for checking mpesa send money charges 2026, mpesa withdrawal charges agent, or mpesa till charges kenya on the go.

Related calculators: M-PESA charges by amount (KSh 100 to 250,000), Kenya Treasury Bills & Bonds Calculator, Bank Fixed Deposit (FD) Calculator, SACCO Dividend & Interest Calculator, Kenya PAYE Calculator.

Avoid withdrawal shock & save on fees

When sending money to someone who needs to withdraw cash at an M-PESA agent, always send the principal plus the agent withdrawal fee so they receive the full intended amount. For businesses, Pochi la Biashara keeps personal and business transactions separate with clear MSME fee caps.

Quick Answers

M-PESA Tariff FAQs

Is sending money below KSh 100 on M-PESA free?

Yes, sending amounts between KSh 1 and KSh 100 to registered M-PESA users is free of charge (KSh 0).

What is the maximum M-PESA limit per transaction?

The maximum limit for a single M-PESA transaction is KSh 250,000, while the maximum account balance and daily transaction limit is KSh 500,000 as regulated by the Central Bank of Kenya (CBK).

Are Lipa na M-PESA (Buy Goods) payments free for customers?

For standard retail stores, supermarkets, and restaurants, Buy Goods is 100% free for the paying customer. The merchant absorbs the 0.55% collection fee.

Why am I charged a fee when paying for fuel at petrol stations?

Petrol stations in Kenya operate on strict profit margins capped by the Energy and Petroleum Regulatory Authority (EPRA). Because fuel retailers cannot absorb the 0.55% merchant fee within regulated pump prices, oil marketing companies (Rubis, TotalEnergies, Shell, Ola) are legally permitted to pass the ~0.55% processing surcharge to the customer.

How do I calculate agent withdrawal fees before sending money?

Use our calculator to look up the exact agent withdrawal fee for your target amount, then add that fee to your transfer so the recipient withdraws the exact net cash needed.

Guides

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Guide

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Updated

October 2026

Calculators are for planning and estimation only. Verify final tax, payroll, loan, investment or property figures with the relevant institution or adviser.