Sort your Kenya pay and tax in minutes

PAYE

Monthly tax on the KRA bands.

Annual Income Tax

Yearly bands + relief.

Net Pay / Take-Home

Full gross-to-net payslip.

Salary After Deductions

All statutory deductions.

PAYE Bands / Brackets

10-35% band detail.

Effective Tax Rate

Average vs marginal.

Personal Relief

KES 2,400/month credit.

Insurance Relief

15% of premiums.

SHIF Contribution

2.75% health levy.

NHIF vs SHIF

Old vs new health.

Affordable Housing Levy

1.5% AHL.

Bonus Tax

Tax on a bonus.

13th Cheque Tax

Year-end pay tax.

Overtime Pay Tax

Extra-hours tax.

Leave Pay

Accrued leave pay.

Gratuity Tax

Service gratuity tax.

Severance Pay

Redundancy payout.

Salary Increment

What a raise keeps.

Gross From Net Salary

Gross from take-home.

Hourly to Monthly

Annualise a wage.

Minimum Wage Net Pay

Lowest-grade net.

Dual Employment Tax

Two employers.

Per Diem Tax

Subsistence allowance.

Non-Cash Benefits Tax

Benefit-in-kind.

Company Car Benefit

2% of cost/month.

Fringe Benefit Tax

Cheap-loan benefit.

Income Tax Refund

Over/underpayment.

Diaspora Remittance Tax

Sending money home.

Corporate Income Tax

Resident 30%.

Turnover Tax

3% of turnover.

Turnover Tax vs VAT

ToT or VAT.

Sole Proprietor Tax

Business income.

Freelancer Tax

Independent income.

Side Hustle Tax

Extra-income tax.

Installment Tax

Advance CIT.

Capital Allowances

Wear-and-tear.

Startup Tax Incentive

NIFC start-up rate.

Payroll Cost

Employer payroll total.

Cost to Employer

True hiring cost.

VAT

16% add or remove.

VAT Payable

Output less input.

VAT Refund

Credit position.

VAT Inclusive Pricing

Gross vs net price.

VAT Registration Threshold

KES 5m turnover.

VAT vs Zero-Rated Margin

Supply treatment.

VAT Penalty

Late VAT cost.

Withholding Tax

WHT by payment type.

Withholding VAT

2% withheld VAT.

Professional Fees WHT

Service-fee WHT.

Digital Marketplace Tax

Platform supplies.

SEP Tax

Non-resident digital.

Import Duty

Customs duty.

Goods Import Tax

Total landed tax.

Betting Tax

WHT + excise on bets.

Airtime Excise

15% on airtime/data.

Profit Margin

Markup and margin.

Break-Even

Units to profit.

NSSF Contribution

6% per tier.

NSSF Pension Projection

Fund at retirement.

Pension Contribution Relief

Deductible pension.

Salary Sacrifice Pension

Pre-tax pension.

Pension Lump Sum Tax

Withdrawal bands.

Early Pension Withdrawal Tax

Pre-retirement tax.

Pension Drawdown

Income from a pot.

13th Month vs Pension

Cash or save.

Annuity Income

Income from a lump sum.

Retirement Savings

Balance at retirement.

Retirement Income Gap

Shortfall check.

FIRE

Financial independence.

Coast FIRE

Coast to retirement.

Mortgage

Repayment + interest.

Mortgage Affordability

How much you can borrow.

Mortgage Interest Relief

KES 30k/month cap.

HOSP Savings Relief

Home-savings deduction.

Home Loan vs Rent

Buy or rent.

Rental Income Tax

7.5% MRI.

Commercial Rental Tax

Normal-rate rent.

Rental WHT vs MRI

Which regime.

Presumptive vs Actual Rent

MRI or expenses.

Rent WHT

Agency rent WHT.

Rental Deposit Interest

Deposit return.

Rental Yield

Gross + net yield.

Property Buying Cost

Total purchase cost.

Property Capital Gains Tax

15% on land/buildings.

Construction Cost Tax

Build tax cost.

Stamp Duty

4% urban, 2% rural.

Lease Stamp Duty

Duty on a lease.

Land Rates

County site-value rate.

Land Rent

Leasehold land rent.

Compound Interest

Growth projection.

Investment Tax

Tax on returns.

Capital Gains Tax

15% on net gain.

Share Sale Tax

Listed vs unquoted.

Dividend Tax

WHT on dividends.

Dividend Yield

Income on price.

Interest Income Tax

WHT on interest.

Treasury Bill

T-bill yield.

Treasury Bond

Coupon + yield.

Money Market Fund

MMF return.

Unit Trust

Fund growth.

NSE Investment Returns

Share returns.

SACCO Dividend

Share + deposit payout.

Chama Investment

Group investing.

Merry-Go-Round

Rotating savings.

Education Fund

Saving for school.

Net Worth

Assets minus debts.

Budget

Needs / wants / savings.

Emergency Fund

Cash buffer.

Savings Goal

Monthly to a target.

Debt Payoff

Time + interest.

Debt to Income

DTI ratio.

Loan Affordability

How much you can borrow.

Loan Repayment

Repayment schedule.

Car Loan

Vehicle finance.

Logbook Loan

Car-secured loan.

Mobile Loan Cost

App-loan true cost.

M-Pesa Transaction Cost

Send/withdraw fees.

Advance Tax (Vehicle)

PSV/commercial advance.

Inflation Purchasing Power

Real value over time.

Real Return After Inflation

Inflation-adjusted return.

PAYE Penalty

Late-PAYE cost.

Tax Penalty

Penalty + interest.

Stamp Duty (Shares)

1% on share transfer.

Life Insurance Needs

Cover gap.

Income Protection

If you cannot work.

Medical Cover Gap

Health shortfall.

Funeral Cover

Last-expense cover.