PesaCalc Insights
Money wisdom
built for Kenya
Practical guides on budgeting, investing, side hustles, debt and building lasting wealth — no jargon, no fluff.
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Finance
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.
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Business
How to Register a Company Online in Kenya: The 2026 eCitizen Guide
The complete step-by-step guide to registering a limited company in Kenya via eCitizen — including what documents you need, what it costs, and the common mistakes that delay approval.
Investing
The Truth About Lock-In Periods: How Kenyan Private Funds Really Work
Discover how Kenyan private funds handle lock-in periods. Learn the difference between standard lock-ins and auto-locks, and why most funds avoid automatic rollovers.
Marketing
Jan 25, 2026
Digital Marketing for Kenyan Businesses: What Actually Works in 2026
A no-nonsense guide to digital marketing for Kenyan SMEs — which channels work, what budgets are realistic, and the mistakes that burn marketing money without results.
Finance
Jan 8, 2026
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.
Business
Dec 15, 2025
Profitable Side Hustles in Kenya 2026 — What Actually Works
Cutting through the noise: side hustles that Kenyans are actually running profitably in 2026, with real startup costs and honest earning potential.
Business
Nov 20, 2025
Profitable Business Ideas in Kenya That Actually Work (2026 Edition)
Ten business categories that Kenyan entrepreneurs are building into KES 100K–500K/month revenues in 2026 — with startup costs, margins, and the key success factors for each.
Business
Oct 5, 2025
How to Start a Business in Kenya in 2026: The Complete Step-by-Step Guide
From idea validation to eCitizen registration, KRA PIN, and first sale — the complete process for launching a legal, fundable business in Kenya in 2026.
General
Apr 8, 2025
10 Money Lies Kenyans Believe — And How They Keep You Broke
From 'I'll save when I earn more' to 'loans are evil' — these deeply held beliefs silently destroy Kenyan financial futures. Which ones do you hold?
General
Mar 15, 2025
Why Your Salary Is Not Making You Rich — The Honest Truth
A higher salary is not the solution most Kenyan professionals think it is. Here is what actually determines whether income builds wealth.
Investing
Mar 1, 2025
Why Some Kenyan Income Funds Are Paying Less — And What to Do About It
Your income fund yield dropped and you are not sure why. Here is what is driving the divergence between funds — and how to respond.
Saving
Feb 20, 2025
How I Saved KES 100K in 6 Months on a Minimum Wage in Nairobi
A real account of saving KES 100,000 in 6 months while earning KES 15,600. The specific decisions, the sacrifices, and what made it possible.
Investing
Feb 14, 2025
The Truth About Income Funds in Kenya (2025 Edition)
Income funds promise stable, predictable returns. But not all perform equally, and the fine print matters enormously. Here is what you need to know before investing.
Investing
Jan 24, 2025
Mansa X vs Oak Special Fund: What KES 1,000,000 Actually Produced (Official Data)
Official fact sheet figures: KES 1M in Mansa X since 2019 = KES 3,431,672. KES 1M in Oak since inception = KES 1,511,398. Here is the full breakdown.
Investing
Jan 24, 2025
Mansa X vs Oak Special Fund: Side-by-Side Analysis Using Real 2025 Fact Sheet Data
Using actual published fact sheets to compare Mansa X and Oak Special Fund on real returns, fees, asset allocation, and investor fit — no estimates.
Finance
Jan 10, 2025
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.
Finance
Dec 5, 2024
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.
General
Jul 21, 2024
Salary Negotiation in Kenya: How to Ask for a Raise and Actually Get It
83% of Kenyan employees never negotiate salary. The ones who do earn 10–25% more. Here are the exact scripts that work in Kenyan companies.
Business
Jul 20, 2024
Top 7 Profitable Side Hustles in Kenya (2024) — Earn KES 10K–50K Extra Per Month
Seven side hustles that Kenyans are actively using to supplement income — with realistic earnings, startup costs, and what it actually takes to succeed at each.
Saving
Jul 19, 2024
How Much Emergency Fund Do You Actually Need in Kenya?
The generic '3–6 months expenses' rule was not written for Kenyan realities. Here is the formula that actually works for your situation.
Budgeting
Jul 18, 2024
Black Tax in Kenya: How to Support Your Family Without Going Broke
Black tax is real, the obligation is genuine, but going broke helping others helps no one. Here is the system that lets you support family and still build wealth.
Investing
Jul 17, 2024
M-Pesa vs SACCO vs Stocks: Where to Invest KES 5,000 in Kenya
A data-backed comparison of Kenya's three most popular investment options — and which one actually wins over 5 years.
Budgeting
Jul 16, 2024
The Silent Wealth Killers: 7 Expenses Draining Your Salary in Kenya
You cancelled Netflix. You stopped eating out. But you are still broke every month. These seven costs are why — and how to fix each one.
Saving
Jul 15, 2024
How to Save 50% of Your Salary in Kenya (Even on KES 30K)
Most Kenyans think saving half their salary is impossible. Here is the proven system that works — no side hustle required.
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