Use the figures on each calculator to estimate salary deductions, loan repayments, car import taxes and MMF growth.
Reference data
Rates and assumptions are shown on each calculator. The calculation runs in your browser.
Pick the calculator that matches what you need to work out.
See your estimated take-home pay after PAYE, NSSF, SHIF, Housing Levy, and reliefs.
Estimate the taxes on a used vehicle using the KRA CRSP schedule.
Compare monthly repayments, interest, bank fees, and the full repayment schedule.
See how an initial deposit and monthly contributions could grow at your chosen yield.
10% to 35%
Progressive PAYE
< 8 Years
Age limit
2 methods
Interest methods
Local
Runs in your browser
Pick PAYE, loan repayments, or vehicle import duty.
Enter your salary, loan, or vehicle details.
Check the breakdown, schedule, and report where available.
Here are the main rates and assumptions behind each calculator.
Under KRA tax law, individual income tax applies progressively on taxable monthly earnings after statutory pension and medical deductions.
6% of Earnings
Max employee contribution KES 6,480/mo (Limit KES 108,000).
2.75% Gross Wages
Tax-deductible; minimum KES 300/mo, no upper cap.
1.5% Gross Wages
Fully tax-deductible from gross wages before PAYE calculation.
15% Premium Relief
Claim up to KES 5,000/mo (KES 60,000/yr) reduction on PAYE.
Standard imported used road vehicles must be 8 years old or newer from year of first registration. For imports in 2026, 2019 is generally the oldest eligible first-registration year.
35% of Customs Value
Derived from CRSP after applying year depreciation.
20% to 35% Rate
Calculated on (Customs Value + Import Duty).
16% Rate
Calculated on (Customs Value + Duty + Excise).
2.5% IDF + 2.0% RDL
Mandatory import declaration & railway levies on customs value.
Kenyan commercial banks (KCB, Equity, Absa, NCBA, Stanbic) use reducing balance compounding where interest is calculated on the remaining loan principal each month.
• Fixed Monthly Installment: Equated Monthly Installment (EMI) remains constant throughout loan tenure.
• Shifting Balance Ratio: Early monthly payments consist mostly of interest, while later payments pay down principal faster.
Interest = P × R × T
Common in microfinance & SACCO emergency loans.
1.5% to 2.0% Principal
Deducted upfront upon loan disbursement.
20% Excise Tax
Mandatory tax levied on bank processing fees.
0.35% p.a. Principal
Covers outstanding loan balance in case of disability or death.
We take the annual yield you enter as an effective annual rate and convert it to an equivalent monthly rate.
• Monthly sequence: Calculate the return, deduct applicable fees and WHT, then add the contribution at month-end.
• What you enter: Initial investment, monthly contribution, period, yield, fund fees, and tax assumption.
Fees already included
Use the latest effective annual yield from the fund’s factsheet.
Enter fund fees separately
Use this when the quoted return is before annual fund expenses.
Applied to positive income
Enter the applicable WHT assumption for the product you are modelling.
Not a guaranteed return
Rates can change, so projections should be refreshed with current provider data.
Statum builds payroll, automotive, banking, and mobile software for organisations in Kenya.
We work with M-Pesa, ERPs, CRMs, and KRA iTax services when a project needs them.
Monthly payroll, payslips, bank exports, and KRA reports.
Vehicle stock, CRSP values, clearance, and tax calculations in one place.
Customer portals and M-Pesa payments connected to existing systems.
iOS and Android apps with offline sync, notifications, and M-Pesa Express.
These links are provided for reference only. The calculators are estimates, so check current rules and terms independently before relying on a result.