Personal finance

Personal finance tools for Kenya

Free calculators, honest loan comparisons, savings guides. Kenya-specific, updated for Finance Act 2025. No login, no paywall, no sponsored rankings.

Calculators

PAYE, M-PESA fees, loans. More dropping monthly.

PAYE & net salary calculator

Take-home pay after PAYE, SHIF, NSSF, and Affordable Housing Levy.

M-PESA fees calculator

Cost of any M-PESA, Airtel Money, or T-Kash transaction.

All calculators

Browse the full PesaCalc hub. Loan, mortgage, savings, more on the way.

Loans and lenders

Find the cheapest legitimate option, avoid the predatory ones.

Best loan apps in Kenya 2026

Pillar comparison of every major lender. Rates, limits, eligibility, red flags.

Tala vs Branch

Two big mobile lenders compared. Approval, rates, who suits which.

M-Shwari vs KCB M-PESA

M-PESA-menu loans head to head. Rate, limit, term, eligibility.

Hustler Fund vs M-Shwari

Cheapest legitimate digital credit head to head.

Borrowing when CRB-listed

Realistic options if you have a Credit Reference Bureau listing.

Fuliza explained

How the M-PESA overdraft works, what it costs, when to use it.

Savings and investing

SACCOs, money market funds, group savings.

Top SACCOs in Kenya 2026

Best Savings and Credit Cooperatives by membership terms and dividend.

Group lending and chamas

How rotating savings and group credit work in Kenya.

Ziidi by Safaricom

Money market fund for M-PESA savings. Yield, access, comparison.

Savings goal calculator

Soon

Time to goal, total contributions, interest earned.

Tax and statutory

PAYE, SHIF, HELB, KRA. The mandatory ones.

Pay KRA via M-PESA

PAYE, VAT, withholding, customs. Paybill 572572.

SHA / SHIF paybill explained

What replaced NHIF and how to pay the 2.75%.

Pay HELB loan via M-PESA

Settle your university loan repayments.

Editorial principles

paybillke is independent. We do not accept payment for editorial rankings. Affiliate links are clearly disclosed and do not influence which lenders we recommend or how we rank them. Calculator data is verified against official sources (KRA, CBK, lender websites) and updated when laws change. If you spot a rate or rule that has changed, tell us via the report link in the footer.