Frequently Asked Questions

PesaCalc is a free suite of 30+ Kenyan financial calculators plus plain-language guides. It covers salary and tax, loans, saving and investing, bills, cars and property, all built specifically for Kenyan rules, currency and 2026 rates. Start at the calculators page or read the blog.

Yes, every calculator is 100% free, with no sign-up, no paywall and no trial. You do not create an account, and there is no "subscribe to see results" wall. We cover costs with a few unobtrusive ads.

Anyone earning, saving, borrowing or investing in Kenya: employees checking take-home pay, importers estimating car duty, savers comparing money market funds and Treasury Bills, SACCO members, landlords, and small businesses. If a decision involves Kenyan shillings, there is probably a calculator for it.

Yes. Every page is mobile-first and works in any modern browser, no app or install required. You can also add PesaCalc to your home screen for one-tap access.

Through a few unobtrusive on-page ads. We do not sell your data and we do not charge for any calculator. That keeps the tools free while letting us keep the rates current.

PesaCalc is built and maintained in Nairobi, Kenya, by a small team focused on getting Kenyan financial numbers right. More on the About page.

They are built on the actual formulas and current published rates, and we test the maths against worked examples. Where a figure moves often (auction yields, fuel prices, fund returns) we make it an editable field so you can drop in the exact number for your situation.

Official and primary sources: KRA for PAYE and the CRSP duty schedule, CBK for Treasury Bill auctions and the Central Bank Rate, KNBS for inflation (CPI), EPRA for fuel prices, the NSSF Act schedule, and fund managers’ own published fact sheets for money market and special-fund yields. Each calculator names the source its numbers come from.

They reflect 2026 Kenyan law and market rates. We track the annual Finance Act, NSSF’s phased schedule, EPRA’s monthly fuel reviews, CBK’s weekly Treasury auctions and KNBS’s monthly inflation release, and update calculators when figures move. Market-linked yields (money market funds, T-Bills) change weekly, so treat those as a snapshot and confirm the latest before investing.

No. PesaCalc gives you accurate numbers for planning. It is not financial, tax or investment advice. For significant decisions, confirm with your employer’s payroll, KRA, the relevant provider, or a licensed financial adviser.

Use the contact page. If a figure has gone stale or a result looks off, tell us and we will verify and fix it quickly. Suggestions for new calculators are welcome too, accuracy and usefulness are the whole point of the site.

Four statutory deductions: PAYE (income tax, 10 to 35% bands), SHIF (2.75% of gross), NSSF Tier I and II (6% up to KES 108,000 from Feb 2026), and the Housing Levy (1.5% of gross). It also handles personal relief (KES 2,400 per month), insurance relief and pension contributions. Try the Net Salary calculator.

SHIF (Social Health Insurance Fund) replaced NHIF on 1 October 2024. It is 2.75% of gross salary each month, with a minimum of KES 300. Unlike the old fixed NHIF bands, it scales with income and is deductible before PAYE is computed.

From February 2026 (Year 4 of the NSSF Act 2013 rollout), Tier I covers the first KES 9,000 and Tier II covers 9,001 to 108,000, each at 6%. The maximum employee contribution is KES 6,480 per month, which your employer matches.

The Affordable Housing Levy is 1.5% of your gross pay, matched by your employer, deducted monthly. The Net Salary calculator includes it automatically when working out your take-home pay.

Yes. The calculator deducts NSSF, SHIF and the Housing Levy to get taxable income, applies the current PAYE bands, then subtracts personal relief (and insurance relief if you enter a premium), the same order KRA’s iTax uses.

Yes. The Net Salary calculator has a reverse mode: enter the take-home figure you want and it solves for the gross salary that produces it after all deductions. There is also a Withholding Tax calculator for fees, rent, dividends and royalties.

Several, all net of Kenyan tax: Money Market Fund, Treasury Bill, Fixed Deposit, Inflation, Investment (compound growth), Savings Goal, Mansa-X and a Forex trading calculator.

It uses CBK’s own pricing: Price = Face Value divided by (1 + rate times days/365), with the 15% withholding tax on the interest collected upfront. It covers the 91, 182 and 364-day bills and shows your purchase price, net profit and true annual yield. Auction rates move weekly, so the rate is editable, use the latest CBK figure.

The MMF calculator carries recent published yields for funds like Cytonn, Etica, Britam, CIC and others, net of the 15% withholding tax. Yields are set by each fund and change weekly, so we show a dated snapshot, always confirm the current rate with the fund before investing. The highest headline yield is not automatically the best fund: also weigh size, withdrawal speed and consistency.

It depends on liquidity and rate. A money market fund stays liquid (1 to 3 day access); a fixed deposit locks a negotiated rate; a Treasury Bill is government-backed but locked to maturity. All three are taxed 15% on interest, so compare them on net yield, which each calculator shows.

Mansa-X is a special fund offered by Standard Investment Bank (SIB). Our Mansa-X calculator is an independent illustration using SIB’s published figures (net 10.97% in H1 2026, about 18.18% per year on average since 2019; the combined funds crossed USD 1 billion in AUM in 2026). PesaCalc is not affiliated with SIB, returns are not guaranteed, and this is not investment advice. Confirm current figures and terms with SIB.

Yes. The Forex calculator handles pip value, lot and position size, margin and profit/loss, in shillings or dollars, and works for Deriv and MT5. Note that online forex is regulated in Kenya by the CMA, it is high-risk, and most retail traders lose money, so trade only what you can afford to lose.

Keep money where the net (after-tax) yield beats inflation. With June 2026 inflation at 6.4%, top money market funds and good fixed deposits stay ahead, while an ordinary savings account at 3 to 4% loses ground. Test any rate in the Inflation calculator.

A general Loan calculator (monthly EMI, interest and full repayment schedule), a HELB Loan calculator, and a SACCO Loan calculator. We also publish guides comparing mobile loans and SACCO versus bank loans on the blog.

It models the two things that define a SACCO loan: the deposit multiplier (you can typically borrow 3 to 7 times your deposits) and reducing-balance interest, plus appraisal and insurance costs, so you see the true monthly repayment.

HELB charges a low reducing-balance interest rate on student loans. The HELB calculator builds the repayment schedule so you can see how long clearance takes and how extra payments shorten it.

It uses KRA’s CRSP (Current Retail Selling Price) method, depreciating the CRSP by the vehicle’s age, then stacking Import Duty (35%), Excise (by engine size and fuel), VAT (16%), IDF and RDL. The import duty calculator covers thousands of vehicle variants.

Pass-through charges such as the fuel energy cost, FERFA and EPRA pump prices change every month. We update them each cycle, but if your statement is from a different month, edit the rate field with the figure on your bill for an exact match. See the KPLC and Fuel Cost calculators.

Yes. The M-Pesa Cost calculator gives the exact 2026 send, withdraw and Paybill fees so you know the cost before you transact.

A Stamp Duty calculator (4% urban, 2% rural, plus legal and valuation costs), a Rental Income Tax calculator (MRI at 7.5%), a Rent vs Buy decision tool, and a Land Size converter for acres, hectares and plots.

Yes. The Live Exchange Rates page converts USD, GBP, EUR, ZAR, UGX and TZS to and from the Kenyan shilling, refreshed regularly through the day.

Yes. The PesaCalc blog covers Kenyan money topics in plain language: comparing money market funds, where to save, getting out of debt, business and tax guides, and more. New posts are added regularly.

No. Calculations run entirely in your browser. Your salary, loan figures or anything else you type is never sent to or stored on our servers. The only optional data we collect is an email address, and only if you choose to subscribe to updates.

We do not sell data, and we do not set marketing trackers. Calculations are browser-side. See our Privacy Policy and Cookies pages for the full detail.

No. PesaCalc is independent. We reference institutions such as KRA, CBK, banks and fund managers (including SIB’s Mansa-X) only to explain and illustrate their published figures. We are not affiliated with, endorsed by, or acting for any of them, and we earn nothing from naming them.

PesaCalc is for general information and planning only and is not financial, tax, legal or investment advice. Figures can change, and results depend on the inputs you provide. Always confirm current rates, fees and terms with the relevant provider before acting. See the full disclaimer.