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PesaCalc · Nairobi · Updated 2026

Kenyan money,
calculated KSh

PAYE, SHIF, NSSF and AHL on your net salary. KRA CRSP on imported cars. 50 / 30 / 20 on your monthly budget. 25+ free tools, current 2026 rates, no sign-up, no tracking.

Each tile is a live preview of real output. Click through for the full calculator with saveable inputs and a shareable result.

01 · Budget
Smart Budget · 50 / 30 / 20
Needs 50%
Wants 30%
Save 20%

Splits your take-home after SHIF, NSSF and PAYE. Flags rent creeping over the housing threshold and shows a savings target at your current income.

02 · Payroll
Net Salary · PAYE · SHIF · NSSF
GrossKSh 150,000
PAYE (30% band)−33,527
SHIF · 2.75%−4,125
NSSF · Tier I + II (2026)−6,480
AHL · 1.5%−2,250
Net payKSh 103,618
03 · Imports
KRA Duty · CRSP July 2025
CIF
ED
IDF
RDL
VAT
CIF 55% Excise 14% IDF 3% RDL 2% VAT 26%
04 · Credit
Loan schedule
Monthly
KSh24,415
Total Interest
KSh464k
05 · Power
Runtime planner
8h 14m 2kWh · 7 items
06 · Goals
Savings goal
67%
KSh201k / 300k
Laptop · Sep 2025
07 · Housing
Rent vs Buy · 10-year view
Rent 4.32M
Buy 6.48M
Equity +3.1M

Compares cumulative rent against mortgage payments, stamp duty, maintenance and the equity you'd own at year 10. Sarit Centre 2-bed, 13% rate, 20% down.

08 · Long term
Retirement projection
KSh 18.4M

Age 30 → 60, saving 15% at 8% real return. Tweak the inflation assumption and NSSF top-up to see the fork in your curve.

09 · Growth
Investment return
KSh 500k · Principal
KSh 412k · Gains (82%)
10 yrs · T-bills 12.8%
10 · Income
Passive income
KSh42,850
+8.2%
Per month · 4 streams
11 · Leaks
Subscriptions
Netflix 1,100 Spotify 349 DStv 2,900 Showmax 750
KSh 5,099/mo · KSh 61,188/yr
12 · Exam
Casio FX-82MS
sin(45°) = 0.7071
SHIFT
sin
cos
tan
log
ln
7
8
9
÷
=
13 · Funds
Mansa-X Special Fund
H1 2026 net return+10.97%
2025 net return+20.74%
Avg since 201918.18% p.a.
KSh 1M in 2019KSh 3.59M
14 · Yields
Money market funds
13.8%
13.80% gross
Top MMF yield · Jul 2026
15 · Banks
Fixed deposit
8.5%
3–11% p.a.
Bank range · negotiable
16 · Prices
Inflation · real value
6.4%
6.4% y/y
KNBS CPI · June 2026
17 · Funds
Britam MMF rate
9.8%
≈8.35% net
After 15% tax · July 2026

Every number traces back to an Act, a KRA gazette, or a published SHA schedule. When the law changes we rewrite the calculator, not just the copy.

SHA Act · 2023
2.75%

Social Health Insurance Fund deduction on gross, replaced NHIF tiers on 1 Oct 2024.

Finance Act · 2023
1.5%

Affordable Housing Levy on gross, matched 1:1 by the employer. Split line on every payslip.

KRA · CRSP July 2025
4,100+

Vehicles in the Current Retail Selling Price database used by the import-duty calculator.

NSSF Act · No.45
6%

Tier I + Tier II combined on pensionable pay, capped at the upper-earnings limit.

P

PAYE bands, to the shilling

10% up to KSh 24,000 → 25% → 30% → 32.5% → 35% above KSh 800,000. Personal relief of KSh 2,400/mo applied.

K

KRA duty chain, in order

CRSP → Depreciation → CIF → Excise → IDF → RDL → VAT. Stacked exactly as KRA's iCMS system calculates them, no shortcuts.

N

No account, no tracking

Every calculator runs in your browser. Nothing persists server-side. Close the tab and your numbers are gone with it.

S

Source-cited, not vibe-cited

Rates on the calculators link to the exact KRA page, SHA circular or gazette notice they came from. If a number's wrong, you'll see where to prove it.

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