About PesaCalc
We build free calculators that get Kenyan money maths right, and we keep them right when the law and the rates change.
Why we built it
Try this: search for a "Kenya net salary calculator" and check a few of the results. You will find tools using American tax brackets, NHIF bands that died when SHIF arrived in October 2024, or NSSF tiers from two phases ago. They look official. They are quietly wrong.
That matters, because people make real decisions on these numbers, whether to take a job offer, how big a car to import, how much loan they can carry, what to save each month. A figure that is off by a few thousand shillings can tip the whole call.
If the number is wrong, the advice is wrong. So we obsess over the number.
PesaCalc started as a fix for that one problem and grew into a full toolkit. Every calculator is built on current Kenyan law and current market rates, with the source named on the page. The tools are free, they work on any phone, they need no sign-up, and they do not track you.
What is inside
More than 30 calculators, grouped by the money decisions Kenyans actually make:
Salary and tax
Net Salary (PAYE, SHIF, NSSF, Housing Levy), Withholding Tax, Rental Income Tax.
Saving and investing
Money Market Funds, Treasury Bills, Fixed Deposits, Inflation, Investment, Mansa-X and a Forex tool.
Loans
Loan repayments, SACCO Loan and HELB clearance.
Bills, cars and property
M-Pesa and KPLC costs, Fuel, Car Import Duty, Stamp Duty and a Land Size converter.
Alongside the tools we publish plain-language guides and keep a live exchange rates page for the shilling against major currencies.
How we keep it current
Kenyan figures move constantly: the Finance Act each year, the NSSF phased schedule, EPRA's monthly fuel review, CBK's weekly Treasury auctions, KNBS inflation each month, and fund managers' own yield updates. We watch these and update the calculators when they shift. As of 2026, the tools reflect:
| PAYE bands | 10 / 25 / 30 / 32.5 / 35% |
| SHIF | 2.75% of gross (replaced NHIF, Oct 2024) |
| NSSF Tier I & II | 6% up to KES 108,000 (Year 4, Feb 2026) |
| Housing Levy | 1.5% of gross (Affordable Housing Act) |
| Treasury Bills | 91 / 182 / 364-day, net of 15% withholding tax (CBK) |
| Money market funds | Latest published yields, net of 15% tax |
| Inflation | 6.7% (KNBS, May 2026) |
| Car import duty | 35% duty plus excise, VAT, IDF and RDL (KRA CRSP) |
| Fuel prices | EPRA monthly review |
For anything that changes weekly or monthly (fuel, exchange rates, Treasury yields, fund returns) we either pull it in or leave it as an editable field, so you can drop in the exact figure from the source.
How we work
- Sourced. Tax and statutory figures cite the Act, gazette or KRA schedule they come from.
- Shown, not hidden. Each calculator lays out its formula and assumptions. Nothing is a black box.
- Honest about limits. These are close estimates for planning. For your salary, your employer's iTax payroll is the authority; for an import, KRA's assessment is final. We say so on the page.
- Careful with names. When we mention a bank or fund (for example Mansa-X), we use their own published figures, cite the source, and make clear we are independent and not affiliated.
- Not financial advice. We give you accurate numbers. The decision is yours, and for big moves a licensed adviser is worth it.
Your privacy
The calculations run in your browser. We do not store your salary, your loan details, or anything you type into a tool. There is no account to create and no newsletter wall in your way. The only thing we ever collect is an email address, and only if you choose to subscribe. The full detail is in our privacy policy and cookie policy.
Who we are
PesaCalc is a small team in Nairobi who got tired of wrong numbers. We use these tools ourselves, for our own payslips, imports and savings, which is the main reason they stay accurate. If a figure has gone stale or a result looks off, that bothers us as much as it bothers you, so please tell us and we will fix it fast.