Free Financial Calculators
Quick tools for everyday Kenyan money decisions — no account needed.
Plan for today
💰Salary & Pay HubNewTake-home pay, 50/25/25 budget split, payday routing, KRA tax shield, and salary negotiation — all from one gross salary.≈37% of a Ksh 100,000 gross goes to deductions before you see a shilling. Model every angle here.→🎯Savings Goal CalculatorWork out how much to save each month to hit a target amount.Small, consistent amounts beat big, irregular ones.→🔄Hustle Income SmootherNewTurn months of variable freelance or informal income into a steady, reliable monthly salary.Enter your last 3–12 months' earnings, get the safe draw and buffer fund needed to ride out lean months.→🔥20th-to-20th Savings ChallengeNewCommit to saving a fixed amount every month and build an unbroken streak with monthly check-ins.6 months is the habit-formation threshold. Check in between the 15th and 25th — the app keeps score.→🏦Loan / HELB Repayment CalculatorSee your monthly installment and total interest on any loan.A SACCO loan can cost a third of what a mobile lender charges for the same amount.→
Plan for the future
📈Investment Returns CalculatorProject how a lump sum plus monthly contributions grows over time.Compounding grows your money fastest in the later years — start now.→🔥FIRE Number CalculatorYour Kenya-localized retirement number: 20× expenses, inflation-adjusted to your retirement year.Kenya's high MMF/bond yields support a 5% withdrawal rate — 20× expenses, not the Western 25×.→🏦DhowCSD T-Bill LadderNewSplit capital across 91/182/364-day Treasury Bills for quarterly liquidity.The blended ladder yield nearly triples what a bank savings account pays.→⏳Money Runway CalculatorSee how long your savings will last at a given monthly withdrawal.A modest return can make your savings last years longer.→🏫School Fees Sinking Fund SmootherNewTurn three termly fee shocks into one flat monthly deposit that earns its own subsidy.An MMF's interest quietly pays ~12% of your annual fees for you — free school uniforms.→🎓Kids' Education Savings CalculatorPlan monthly savings for Junior and Senior Secondary fees, CBC-aware.CBC's 6-year secondary system means two fee step-ups, not one — plan for both.→
Debt & protection
💸Debt Stack BusterNewEnter your Fuliza, Tala, and mobile loans. The avalanche plan shows you the fastest, cheapest way to clear every shilling.Fuliza at 32%/month is the costliest debt most Kenyans carry — tackle it first.→🏥SHA Health Coverage GapNewSee your exact SHIF contribution and the top-up cost needed to access private hospitals, dental, and optical.SHA covers public facilities only — know what it misses before you need it.→🏡Land Purchase True CostNewThe quoted plot price is only the start. See stamp duty, legal fees, valuation, title transfer, and survey costs before you sign.Transaction fees add 8–12% on top of the quoted price — budget this before negotiating.→
Pesa realities
⚖️SACCO vs Bank Loan ComparisonNewCompare SACCO, bank, and mobile lender costs for the same loan.Most Kenyans don't realise how much cheaper SACCO loans are.→📉Inflation Reality CalculatorNewSee what your salary will really be worth in the future.Kenya CPI has averaged 6.5% per year — your salary needs to keep pace.→⚡KPLC Token Band OptimizerNewSplit your monthly token budget into two buys and gain free units on the same spend.Two half-month purchases keep you in the lower tariff band — same money, more kWh.→📱True Cost of Fuliza CalculatorNewFind out what Fuliza really costs before you borrow.Fuliza costs ~400% APR — more than a payday lender.→🎯Sacco Guarantor Liability ShieldNewSee how much of your 3× borrowing power is frozen by loans you've guaranteed.Guarantee half your deposits away and your development loan gets slashed — check before you apply.→⚠️1/3 Rule CheckerNewCheck if your SACCO and loan deductions are legally compliant.Many Kenyans unknowingly have illegal deductions taken from their pay.→🤝Chama / Group Savings OptimizerNewSimulate merry-go-round payouts, welfare fund size, or group investment returns over 1–5 years.11.4 million Kenyans save through chamas — model yours before the next meeting.→