Free Financial Calculators
Quick tools for everyday Kenyan money decisions — no account needed.
Plan for today
💰Salary & Pay HubTake-home pay, 50/25/25 budget split, payday routing, KRA tax shield, and salary negotiation — all from one gross salary.→🏦Where to put your savingsWhat Treasury bills and money market funds pay after withholding tax, ranked — with SACCO dividends explained separately rather than ranked beside them.→🎯Savings Goal CalculatorWork out how much to save each month to hit a target amount.→🔄Hustle Income SmootherTurn months of variable freelance or informal income into a steady, reliable monthly salary.→🔥20th-to-20th Savings ChallengeCommit to saving a fixed amount every month and build an unbroken streak with monthly check-ins.→🏦Loan / HELB Repayment CalculatorSee your monthly instalment and total interest on any loan.→
Plan for the future
📈Investment Returns CalculatorProject how a lump sum plus monthly contributions grows over time.→🔥FIRE Number CalculatorYour Kenya-localized retirement number: 20× expenses, inflation-adjusted to your retirement year.→🏦DhowCSD T-Bill LadderSplit capital across 91/182/364-day Treasury Bills for quarterly liquidity.→⏳Money Runway CalculatorSee how long your savings will last at a given monthly withdrawal.→🏫School Fees Sinking Fund SmootherTurn three termly fee shocks into one flat monthly deposit that earns its own subsidy.→🏫The Full Cost of Private SchoolEvery year of fees from your child's current grade to Grade 12, increases compounded, across all your children.→
Debt & protection
💸Debt Stack BusterEnter your Fuliza, Tala, and mobile loans. The avalanche plan shows you the fastest, cheapest way to clear every shilling.→🏥SHA Health Coverage GapSee your exact SHIF contribution and the top-up cost needed to access private hospitals, dental, and optical.→🏡Land Purchase True CostThe quoted plot price is only the start. See stamp duty, legal fees, valuation, title transfer, and survey costs before you sign.→
Pesa realities
⚖️SACCO vs Bank Loan ComparisonCompare SACCO, bank, and mobile lender costs for the same loan.→📉Inflation Reality CalculatorSee what your salary will really be worth in the future.→⚡KPLC Token Band CheckerWork out your true cost per unit and see which tariff band your month lands in.→📱True Cost of Fuliza CalculatorFind out what Fuliza really costs before you borrow.→🎯Sacco Guarantor Liability ShieldSee how much of your 3× borrowing power is frozen by loans you've guaranteed.→⚠️1/3 Rule CheckerCheck if your SACCO and loan deductions are legally compliant.→🤝Chama / Group Savings OptimizerSimulate merry-go-round payouts, welfare fund size, or group investment returns over 1–5 years.→