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.
Budget planner for Kenya
Upload your M-PESA statement to fill it in seconds, or type it yourself. Savings rate, 50/30/20, goals with a date attached, couples and diaspora modes. Stays in your browser, nothing reaches our servers.
All calculators
Budget planner
Custom expense categories, savings rate health score, donut breakdown, 50/30/20 ruler. Multi-currency for diaspora. Saves locally.
planning
Gross pay (reverse PAYE)
Type your target take-home, we solve for the gross your employer must pay. PAYE + SHIF + NSSF + Housing Levy.
salary & tax
NSSF
6% employee + 6% employer up to KES 108,000 cap. Tier I and Tier II breakdown.
salary & tax
SHIF (2.75%)
2.75% of gross monthly salary, KES 300 minimum, no upper cap. SHA Act 2023.
salary & tax
SHA (Tier 1 + Tier 2)
Tier 1 salaried: exact 2.75% with KES 300 floor. Tier 2 non-salaried: honest estimator that links to the official afyayangu.go.ke Means Testing Instrument. Verified 26 Aug 2026.
salary & tax
Housing Levy
1.5% employee + 1.5% employer of gross. Affordable Housing Act 2024.
salary & tax
Per Diem
Finance Act 2025 set the tax-free cap at KES 10,000/day. See what is taxable.
salary & tax
Severance pay
Statutory 15 days per year of service plus notice and accrued leave. Tax estimate.
salary & tax
Withholding Tax
Apply the right rate: 10% rent, 5% dividends, 15% interest, 5% professional fees.
salary & tax
Turnover Tax
1.5% of monthly turnover for businesses with annual turnover KES 1M to 25M.
salary & tax
Stamp Duty
4% urban / 2% rural, plus legal fees and registration. Stamp Duty Act Cap. 480.
salary & tax
HELB loan
4% per annum, KES 1,500/month minimum. See months to clear plus total interest.
lending
Boda Boda earnings
Daily km, fuel, fares, financing → real monthly take-home for boda riders.
business
M-Pesa agent
Float, daily transactions, commission rate. ROI on the float invested.
business
Street cart
Smokie, mahindi choma, nyama choma. Per-unit margin and breakeven.
business
Tea & mandazi
Cup cost, mandazi cost, daily volume. Kibandaski profitability.
business
Egg seller
Tray price, daily volume, breakage, transport. Real margin per egg.
business
Juice business
Fruit cost, packaging, daily cups, equipment, electricity, rent.
business
Poultry farming
Broilers/layers per cycle: chicks, feed, mortality, market price, growout.
business
Cyber café
Workstations, hourly rate, utilization, prints, internet, rent.
business
Salon / barber
Service price, daily services, product cost, rent, products, electricity.
business
Online freelance
Hourly rate USD, weekly hours, FX, platform fee, withdrawal fee, Kenya tax.
business
PAYE compare
Side-by-side PAYE comparison. See actual net delta on a job offer.
salary & tax
Amortisation + compare
Month-by-month schedule. Compare bank vs SACCO offer for total interest savings.
lending
Best MMF Kenya
CIC, Britam, Cytonn, Etica, Sanlam, NCBA, Madison side-by-side with after-tax yields.
savings
M-PESA cheapest path
Send-money, paybill, till, Pochi, split-into-N, ranked by cost for your amount.
mobile money
Betting payout
Single bet, accumulator, jackpot-share modes. 5% stake excise + 5% withdrawal excise + optional 20% WHT. Net to M-PESA for Betika, SportPesa, Mozzartbet, OdiBets.
betting & gaming
Capital Deployment
Apartments vs land vs livestock vs MMF vs SACCO — year-by-year cashflow, IRR, payback. Reality-check flags impossible inputs.
planning
Car import (KES landed)
Enter your CRSP; get Import Duty + Excise (engine + fuel) + VAT + IDF + RDL stacked in order, plus shipping, port, clearing, inspection and registration.
motoring
P9 form generator
Compile your own P9 from 12 months of gross + reliefs. Print to PDF.
salary & tax
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
Paybill calculator
What you actually pay sending M-PESA to a Paybill. Brackets, exact fee, 2026 tariff.
mobile money
Fuliza
Daily access fee schedule, days outstanding, total to repay. Find out what your overdraft really costs.
lending
M-Shwari
7.5% facility fee per 30-day term. Total cost, rollover scenarios, effective annual rate.
lending
Loan repayment
Monthly payment, total interest, and total cost for any fixed-rate loan. Bank, SACCO, asset finance.
lending
Mortgage
Estimate monthly payments and total cost for a Kenyan mortgage. Deposit, interest, and term.
lending
Savings goal
How long until you hit a savings target. Time-to-goal, total contributions, and interest earned.
savings
Compound interest
Project growth of a starting amount plus monthly contributions over time.
savings
Net worth
Total your assets, subtract your liabilities, see your net worth in KES.
planning
SACCO loan
Maximum loan based on share deposit and multiplier, monthly repayment, total cost.
lending
Hustler Fund
8% per annum, 14-day standard term, 5% mandatory savings. Cheapest digital credit.
lending
Debt payoff
Months to debt-free, total interest, total cost. Avalanche vs snowball framing.
lending
Investment ROI
Total return, total profit, and annualised CAGR for any investment.
planning
MMF returns
Project Kenyan MMF returns. Includes 15% withholding tax on interest.
savings
Rental income tax
7.5% Monthly Rental Income tax on Kenyan residential rent.
salary & tax
Capital gains tax
15% CGT on property and unlisted share disposals in Kenya.
salary & tax
VAT (16%)
Add or extract 16% VAT. For invoicing, budgeting, receipt verification.
salary & tax
Insurance relief
15% PAYE relief on life, education, and health insurance premiums.
salary & tax
Buy Goods
Customer cost is zero, the merchant pays. Verifies any till transaction.
mobile money
Bulk Payments
Estimate B2C batch costs for payroll and disbursements.
mobile money
Taasi loan
Short-term till credit cost, facility fee, total repayment.
lending
Ratiba
Project total fee cost over multiple scheduled M-PESA executions.
mobile money
Fuliza Business
Paybill overdraft daily fees, days outstanding, effective APR.
lending
Currency converter
KES against USD, GBP, EUR, AED, AUD, CAD and East African currencies.
utilities
PayPal Kenya fees
Type any USD/GBP/EUR amount, see the exact KES that lands in M-PESA after PayPal's cut, FX margin, and the Equity-M-PESA fee.
fees & transfers
Wise Kenya fees
Real net KES delivered for any USD, GBP, EUR, CAD, AUD send. Mid-market FX + 0.43% variable + small fixed fee.
fees & transfers
Sendwave FX
Net KES delivered on a Sendwave send. Flat fee + ~1.5% margin. Often beats Wise on small sends.
fees & transfers
WorldRemit fees
Net KES delivered on a WorldRemit send. Fixed fee + ~2% margin. Widest country and payout coverage.
fees & transfers
KCB M-PESA loan
9% facility fee + 7.5%/mo interest + 20% excise. Includes CRB-listed mode.
lending
Equity Eazzy loan
5% facility fee + 1.5%/mo interest. Among the lower-rate KE mobile loans, terms up to 12 months.
lending
KPLC bill
Estimate Kenya Power postpaid bill from kWh consumption.
utilities
Water bill
Estimate Nairobi-style water bill from cubic-metre consumption.
utilities
School fees
How much to save monthly to cover school fees, with inflation factored in.
planning
Retirement
Are you on track? Required corpus vs projected savings.
planning
Fuel cost
Monthly and annual fuel spend from EPRA pump prices and consumption.
utilities
Land rates
Annual county land rates from Unimproved Site Value.
salary & tax
Import duty
Total tax payable on imports. Import Duty + Excise + IDF + RDL + VAT.
salary & tax
M-PESA send & withdraw
The exact 2026 send-money and withdrawal fee. Covers M-PESA to M-PESA, cross-network, agent and ATM tariffs.
mobile money
Airtel Money cost
Airtel-to-Airtel is free. Cross-network send runs KES 7 to 108, agent withdrawal KES 11 to 309. Full band table and a worked example.
mobile money
T-Kash cost
Send and withdraw band tables for T-Kash, with a worked example and the source tariff. Sending KES 5,000 costs KES 57.
mobile money
Western Union fees
Enter any USD, GBP, EUR, CAD, AUD, AED, SAR or QAR amount and see the KES that actually lands in M-PESA after the fee and the exchange-rate margin.
fees & transfers
Nairobi Water bill
Enter consumption in cubic metres, add sewer and standing charges, and get a per-block breakdown of your Nairobi Water bill.
utilities
NAWASSCO bill
Estimate a NAWASSCO monthly bill from cubic-metre consumption, using the WASREB block tariff for Nakuru. Sewer and standing charges included.
utilities
KIWASCO bill
Estimate a KIWASCO monthly bill from cubic-metre consumption, using the WASREB block tariff for Kisumu. Sewer and standing charges included.
utilities
MOWASSCO bill
Estimate a MOWASSCO monthly bill from cubic-metre consumption, using the WASREB block tariff for Mombasa. Sewer and standing charges included.
utilities
ELDOWAS bill
Estimate an ELDOWAS monthly bill from cubic-metre consumption, using the WASREB block tariff for Uasin Gishu. Sewer and standing charges included.
utilities
THIWASCO bill
Estimate a THIWASCO monthly bill from cubic-metre consumption, using the WASREB block tariff for Kiambu. Sewer and standing charges included.
utilities
Limuru Water bill
Estimate a Limuru Water monthly bill from cubic-metre consumption, using the WASREB block tariff for Kiambu. Sewer and standing charges included.
utilities
Boda finance
Bike cash price, deposit, monthly rate and term in. Monthly payment, total repayment, repayment multiple, nominal APR and effective APR out.
lending
Device finance true cost
Cash price, deposit, daily payment and tenure in. Total paid, amount over cash, repayment multiple and the effective annual rate out.
lending
Early settlement
Enter the original loan terms, how far in you are, and the lender's settlement quote. Returns the fair outstanding balance to argue from.
lending
Guarantor exposure
Principal, monthly rate, term, expected resale value and expected default month in. Your worst-case liability as guarantor out.
lending
Lipa Mdogo bundle value
Enter your current monthly data, voice and SMS spend to see whether the compulsory daily Lipa Mdogo Mdogo bundle is worth what it costs you.
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.
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