Skip to content
paybillke
Calculator

SHA contribution calculator (Tier 1 salaried + Tier 2 non-salaried)

Calculate your Social Health Authority contribution. Tier 1 is the exact 2.75% of gross with a KES 300 floor. Tier 2 is a rough 2.75% x household income guide only; the official premium comes from the SHA Means Testing Instrument at afyayangu.go.ke.

Verified 26 Aug 2026
Gross monthly salary
KES

Monthly SHA

KES 1,375

Annual SHA

KES 16,500

Effective rate

2.75%

Equals 2.75% above the floor.

Working: 2.75% x KES 50,000 = KES 1,375.

Deducted BEFORE PAYE. Unlike the old NHIF (deducted after PAYE), SHA is now taken off gross before PAYE is computed. This slightly lowers your taxable pay.

By paybillke · Verified 26 Aug 2026 · Social Health Insurance Act 2023

Independent. Not affiliated with any company listed.

2.75% of gross monthly income, KES 300 minimum, no upper cap. Tier 1 salaried remitted by employer; Tier 2 non-salaried assessed via SHA Means Testing Instrument at afyayangu.go.ke.

Logic and copy © 2026 paybillke. Verified weekly. If you spot an error, use the report tool.

How we verify →

What SHA is, in one paragraph

The Social Health Authority replaced NHIF on 1 October 2024 under the Social Health Insurance Act 2023. SHA operates three funds under one authority: the Primary Healthcare Fund, the Social Health Insurance Fund (SHIF, where the 2.75% contributions land), and the Emergency, Chronic and Critical Illness Fund. Every Kenyan resident must register at sha.go.ke/register and contribute monthly.

Tier 1 vs Tier 2, the split that matters

SHA classifies contributors into two tiers. Tier 1 covers salaried employees: the employer computes 2.75% of gross pay each month, deducts it before PAYE, and remits to SHA via employers.sha.go.ke by the 9th of the following month (per consultant guidance sourced from SHA). Tier 2 covers everyone else, freelancers, business owners, informal sector workers, farmers, hustlers. Their premium is set through a Means Testing Instrument that runs inside afyayangu.go.ke, and the minimum remains KES 300 per month regardless of assessment outcome.

Where to pay

M-PESA paybill 200222, account is your National ID number. USSD *147# for members without smartphones. Full walkthrough on our SHA paybill page, including the common failure modes (wrong ID format, portal sync lag, employer remittance not linked).

If your payment does not reflect

M-PESA confirmation but no portal update is the single most common issue with SHA payments in 2026. Full recovery playbook, including the 24-72 hour reconciliation window and when to escalate to the toll-free helpline 0800 720 601 or a physical SHA branch, is in our payment not reflecting guide.

How the Means Testing Instrument actually works

The instrument is a 30 to 45 minute questionnaire that runs at afyayangu.go.ke after you register at sha.go.ke/register. It captures household composition, housing type (owned, rented, shared, temporary), access to water and electricity and sanitation, assets (livestock, land, vehicle, business), education level of the household head, and employment status. Deep dive with the honest limits on what can and cannot be predicted is in our SHA means testing guide.

Sources

Frequently asked

What is the SHA contribution rate?

SHA contributions are 2.75% of gross monthly income with a minimum of KES 300 per month and no upper cap. Salaried employees (Tier 1) have the exact 2.75% deducted by their employer from gross. Non-salaried Kenyans (Tier 2) have their household income assessed by the SHA Means Testing Instrument at afyayangu.go.ke, with the same 2.75% rate and KES 300 floor. Source: sha.go.ke/premium-rates, accessed 26 August 2026.

Is SHA deducted before or after PAYE?

Before. Under the Social Health Insurance Act 2023, SHA is deducted from gross salary before PAYE is computed. This differs from NHIF, which was deducted after PAYE.

How is Tier 2 (non-salaried) SHA calculated?

SHA assesses non-salaried households through a Means Testing Instrument administered on afyayangu.go.ke. The instrument evaluates household composition, housing type, water and electricity and sanitation services, assets, education, and employment. SHA does not publish the scoring algorithm, so no online calculator can predict the official Tier 2 premium. Our Tier 2 mode is a 2.75% guide only. Get the authoritative number by completing the assessment at afyayangu.go.ke.

Where do I pay SHA via M-PESA?

M-PESA paybill 200222, account = your National ID number (no spaces, no letters). USSD shortcut *147#. See the paybillke SHA paybill page for the full step by step and common failure modes.

What happens if I do not contribute?

SHA membership is mandatory for all Kenyan residents under the Social Health Insurance Act 2023. Without contributions your coverage lapses, and hospitals may require back-payment before your claims are processed. Employers face a 2% late payment penalty on unremitted contributions under section 27(6) of the Act, per the SHA consultant guidance sourced from the Act itself.

When did SHA replace NHIF?

SHA (Social Health Authority) replaced NHIF on 1 October 2024 under the Social Health Insurance Act 2023. SHA operates three funds under one authority: the Primary Healthcare Fund (PHF), the Social Health Insurance Fund (SHIF, where the 2.75% flows), and the Emergency, Chronic and Critical Illness Fund (ECCIF).

Related