Personal finance tools for Kenya

Apartments vs land vs livestock vs MMF vs SACCO. 9 strategies, year-by-year cashflow, reality-check on impossible inputs.

Net to M-PESA after 5% stake excise + 5% withdrawal excise + optional 20% WHT. Betika, SportPesa, Mozzartbet, OdiBets.

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

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

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

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

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

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

Cheapest legitimate digital credit head to head.

Kenya's two biggest banks by customer reach and assets, compared.

Digital lender vs M-PESA-menu loan. Which is cheaper when.

Car finance vs boda boda finance. Which asset-finance route fits.

Pay-as-you-go solar pioneers compared. Phones, motorbikes, kits.

Tightest FX margin vs widest agent network. When each fits.

Realistic options if you have a Credit Reference Bureau listing.

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

The full Safaricom pricing table plus the Itel A60 bundle-split maths.

Total paid, multiple, effective APR. Presets for the 5 LMM tiers.

Is a digital lender on the CBK register of non-deposit credit providers?

The pillar comparison across Fuliza, KCB M-PESA, M-Shwari, and Hustler Fund. Cost per KES 5,000 side by side.

The direct paths from the M-PESA menu, USSD codes, and app flows for every M-PESA-linked loan.

Rate, limit growth, eligibility, and how it compares to M-Shwari on the same M-PESA menu.

The cheapest legitimate mobile credit in Kenya. Eligibility, limit path, and the withdrawal savings quirk.

Kenya's non-bank logbook and asset-finance lender directory: Mwananchi, Momentum, Ngao, Platinum, Progressive Credit. Real cost math, branches, CBK compliance.

Monthly payment, total repayment, effective APR. Default 8.6%/month reducing balance per Watu Parliament testimony.

Is your lender's early-settlement quote fair? Compare to the expected reducing-balance outstanding.

Worst-case shortfall you can be pursued for if the primary borrower defaults and the asset is sold at auction.

Best Savings and Credit Cooperatives by membership terms and dividend. SASRA-verified top 8, updated 26 August 2026.

Step-by-step: eligibility, entry fee, share capital, monthly contribution and qualifying savings period.

The three-way comparison, worked KES 50,000 example, honest decision tree.

Shares vs deposits, AGM cycle, withholding tax and why reserves shape the declared rate.

SASRA intervention framework, Deposit Guarantee Fund cover, and where share capital ranks in a wind-up.

How rotating savings and group credit work in Kenya.

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

Time to goal, total contributions, interest earned.

PAYE, VAT, withholding, customs. Paybill 222222.

What replaced NHIF and how to pay the 2.75%.

Exact 2.75% for salaried; honest Tier 2 estimate for non-salaried.

Settle your university loan repayments.

The shift from NHIF to SHA in one page. What is new, what is renamed, what is unchanged.

Dependants, parents, employees. The clean paths and the pitfalls that leave payments unallocated.

The two paybills, the wrong-paybill recovery flow, and Lipa Mdogo Mdogo notes.

The scam playbooks in Kenya right now. Reverse SIM swap, fake paybill, forwarded SMS.

The USSD, portal, and branch routes. Contribution is 2.75% of income, minimum KES 300.

TIMS step-by-step, the fee, and how long the card takes. Paybill 206206.

Buyer and seller flow on TIMS, fees by engine capacity, and the timeline.

eCitizen application, the C24 form, fingerprinting, and the realistic timeline.

SHA is the base; private cover is the upgrade. Jubilee, Britam, AAR, UAP Old Mutual, Madison and more compared. Educate-and-refer, IRA-compliant.

Third party vs comprehensive, how the premium is worked out, the main IRA-regulated insurers, and the watch-outs before you buy.

The five KRA taxes on the CRSP value plus port, clearing and registration. What importing a used car to Kenya really costs.

Enter your CRSP; get every KRA tax stacked plus shipping, port, clearing and registration. Full drive-away cost, not just tax.