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Kenya Net Pay Calculator (2026)

Enter your gross pay to see your take-home pay after PAYE, NSSF, SHIF and the Affordable Housing Levy. The rates were checked on 18 October 2026.

Net pay at common salaries

Gross pay a monthPAYETotal deductionsNet pay
KES 30,000.00KES 731.25KES 3,806.25KES 26,193.75
KES 50,000.00KES 5,845.85KES 10,970.85KES 39,029.15
KES 80,000.00KES 13,923.35KES 22,123.35KES 57,876.65
KES 100,000.00KES 19,308.35KES 29,558.35KES 70,441.65
KES 150,000.00KES 33,526.85KES 46,381.85KES 103,618.15
KES 200,000.00KES 47,889.35KES 62,869.35KES 137,130.65
KES 300,000.00KES 76,614.35KES 95,844.35KES 204,155.65
KES 500,000.00KES 134,064.35KES 161,794.35KES 338,205.65

These figures assume no insurance relief and a resident employee. For a KES 100,000 salary, NSSF is KES 6,000, SHIF is KES 2,750, the housing levy is KES 1,500 and PAYE is KES 19,308.35, so take-home pay is KES 70,441.65.

How the calculation works

  1. NSSF: 6% of your pay, capped at pay of KES 108,000.
  2. SHIF: 2.75% of gross pay, with a minimum of KES 300.
  3. Housing levy: 1.5% of gross pay.
  4. Taxable pay: gross pay minus NSSF, SHIF and the housing levy, because all three are deducted before PAYE is worked out.
  5. PAYE: the tax bands are applied to taxable pay, then your personal relief of KES 2,400 (and any insurance relief) is subtracted. PAYE cannot go below zero.
  6. Net pay: gross pay minus NSSF, SHIF, the housing levy and PAYE.

Rates used

Checked 18 October 2026.

ItemRate used
PAYE, first KES 24,000 a month10%
PAYE, next KES 8,333 (up to KES 32,333)25%
PAYE, next KES 467,667 (up to KES 500,000)30%
PAYE, next KES 300,000 (up to KES 800,000)32.5%
PAYE, above KES 800,00035%
Personal reliefKES 2,400 a month, taken off the tax
NSSF (employee)6% of pay up to KES 108,000, so at most KES 6,480 a month (Year 4, from February 2026)
SHIF2.75% of gross pay, minimum KES 300 a month
Affordable Housing Levy (employee)1.5% of gross pay
Insurance relief (optional)15% of premiums, up to KES 5,000 a month

What this calculator does not include

This is an estimate for a resident employee with a regular monthly salary. It does not include taxable benefits such as a company car or housing, pension contributions beyond NSSF, mortgage interest relief, a Home Ownership Savings Plan, disability exemptions, overtime or bonuses taxed differently, or loans, SACCO and union deductions. Employers also pay matching NSSF and housing levy contributions, which are not taken from your pay. Your payslip is the final word.

Rates change. NSSF limits have risen in stages (they were KES 8,000 and KES 72,000 before February 2026), and the SHIF rate comes from regulations that one source describes as provisional. Check the rates against KRA's guidance and your payslip, and tell us if something looks out of date.

Need the opposite? Use our gross pay calculator to find the gross salary that gives a target take-home pay.

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