Finance articles
Every PesaCalc guide, insight and strategy in the Finance category — practical advice for Kenyans.
How SHIF, NSSF & the Housing Levy Changed Your Take-Home Pay in 2026
Your 2026 payslip has four statutory deductions — PAYE, SHIF (2.75%), NSSF up to KES 6,480, and the 1.5% Housing Levy. Here is exactly what comes out, why net pay dropped in February 2026, and how to calculate your real take-home.
Kenya Car Import Duty Calculator (2025–2026) – Exact KRA Tax Formula
How much will KRA charge to import your car? Get an instant, accurate breakdown of Import Duty, Excise, VAT, IDF and Railway Levy using current CRSP data and Finance Act rates.
SME Loans in Kenya 2026: Every Financing Option Compared
Bank loans, SACCOs, mobile credit, DFIs, and government funds — a complete guide to SME financing in Kenya with eligibility, rates, and what lenders actually want to see.
How I Cleared KES 310K in Debt in Kenya Without Earning More
KES 310,000 in combined mobile loans, SACCO debt, and credit card balances. Here is the exact sequence used to clear it in 18 months.
How to Get Out of Debt in Kenya: The Complete Guide
A practical, step-by-step guide for Kenyans navigating mobile loans, SACCO debt, bank loans, and family borrowing. No fluff, just the system.