Calculators built for how money actually works in Kenya
Net pay, M-Pesa fees, KPLC units, loans and every KRA tax, checked against official 2026 rates.
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Salary & payroll
Net pay, PAYE, statutory deductions and what you are owed when a job ends.
- PAYE / net salaryTake-home pay after every deduction
- Gross from net salaryGross pay needed for a target net
- Bonus taxWhat you keep from a bonus
- NSSFTier I & II contributions
- SHIF2.75% health contribution
- Housing Levy1.5% Affordable Housing Levy
- Pension tax reliefPAYE saved by contributing
- Overtime1.5× and 2× overtime pay
- Severance payRedundancy pay owed
- Service pay15 days per year served
- Leave payValue of unused leave
- GratuityContract gratuity and tax
Mobile money
What M-Pesa, Airtel Money and Fuliza actually cost.
Utilities & transport
Tokens, water bills and fuel for the road.
Loans & credit
Repayments, affordability, mortgages, HELB and the Hustler Fund.
Savings & investing
Money market funds, T-bills, bonds, fixed deposits and SACCO dividends after tax.
Business & property tax
VAT, Turnover Tax, rental income, withholding tax, CGT, stamp duty and KRA penalties.
Cars & everyday
Import duty, car insurance, currency and health.
Popular questions
Latest rate updates
All updates- 5 October 2026: PAYE now deducts SHIF before tax, as required since the Tax Laws (Amendment) Act 2024. Net pay rises by about KSh 619/month at a KSh 75,000 salary compared with our previous version.
- 5 October 2026: M-Pesa agent and ATM withdrawal fees corrected to Safaricom's current tariff (e.g. withdrawing KSh 5,000 at an agent costs KSh 69).
- 5 October 2026: Turnover Tax updated to 1.5% on turnover between KSh 1M and KSh 25M.
- 5 October 2026: Treasury bill returns now show the 15% withholding tax on the discount.