Loan / HELB Repayment Calculator

See your monthly instalment and total interest on any loan.

Loan amount / HELB balance (Ksh)

Ksh

Quick fill:

Annual interest rate

Common rates:

Repayment period (years)

Quick fill:

⚠️

Ksh 110.1bn

was owed to licensed digital lenders in December 2025, up 99% in a single year. Price any app loan here as an annual rate before you take it.

CBK Bank Supervision Annual Report 2025, §3.24

💰

Ksh 3,186

saved in interest on a Ksh 100,000 loan over 2 years at a SACCO's 12% instead of the 14.82% bank average (December 2025). Banks now publish their rates on the Total Cost of Credit website — compare before you sign.

Computed by JiPange; average lending rate from CBK Bank Supervision Annual Report 2025, §3.7

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.