Free financial calculators built for Kenya
Salary, tax, M-PESA fees, loans, savings. Each calculator uses Kenya rates and laws, updated when the Finance Act changes. No login. No paywall.
PAYE / net salary calculator
Find out your real take-home pay under Finance Act 2025. PAYE bands, SHIF (2.75%), NSSF Tier I and II, Affordable Housing Levy, plus pension and insurance reliefs.
All calculators
PAYE & net salary
Enter your gross monthly salary. See PAYE, SHIF, NSSF, Housing Levy, and your take-home pay. Updated for Finance Act 2025.
salary & tax
M-PESA fees
Calculate the exact cost of any M-PESA, Airtel Money, or T-Kash transaction. 2026 tariffs, multiple currencies for diaspora users.
mobile money
Loan repayment
Monthly payment, total interest, and full amortisation schedule for any loan principal, rate, and term.
lending
Mortgage
Estimate monthly payments and total cost for a Kenyan mortgage. Includes deposit, interest rate, and term.
lending
Savings goal
How long until you hit a savings target. Time-to-goal, total contributions, and interest earned.
savings
SACCO loan
Estimate borrowing capacity, repayment, and guarantor needs for a Kenyan SACCO loan based on share contributions.
lending
What we are building
paybillke is expanding into a full hub of free Kenyan financial calculators. Salary and tax, M-PESA, loans, mortgage, savings, SACCOs, KRA tax types, currency, fuel, electricity, and more. Each is built to be accurate first, fast second, and beautiful third. Bookmark the hub, more drop monthly.
Suggestions or rate corrections welcome. Use the report link in the footer.