Kenya Finance CalculatorGuides
Kenya Personal Finance Guides
Plain-language explainers on Kenyan tax, salaries, banking and business topics. Every guide links to a free calculator so you can put the numbers to work.
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 MoneyM-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.
Salary ToolsNSSF Year 4 Contribution Rates Kenya
How the NSSF Year 4 tiers work, the 6% employee and employer rates, and the maximum monthly contribution.
Salary ToolsSHIF Contribution Kenya 2026 (2.75%)
What SHIF is, how the 2.75% contribution is calculated, worked examples, and how it affects your net salary.
Salary ToolsAffordable Housing Levy Kenya Explained
The 1.5% employee and employer Affordable Housing Levy explained, with examples and its effect on take-home pay.
Loans & BorrowingCar 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 MoneyKenya 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.
Salary ToolsHow 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.
Business ToolsVAT & 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 ToolsDebt 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 ToolsProperty 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.
Loan ToolsFlat 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 ToolsMoney 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 ToolsWithholding Tax (WHT) Rates in Kenya
Who deducts withholding tax, the resident and non-resident rates, and how WHT affects what you are paid.
Business ToolsProfit 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.