This free PAYE calculator Kenya employees can rely on shows your real take-home pay in seconds. Enter your gross monthly salary below and the PAYE calculator works out your income tax after personal relief, plus your NSSF, SHIF and housing levy deductions, then shows the net pay that actually reaches your account. It uses Kenya’s 2026 rates, so you can check a job offer, a raise or your payslip with confidence.
PAYE & Net Pay Calculator (Kenya 2026)
See your take-home pay after PAYE, NSSF, SHIF and the housing levy.
Note: Uses Kenya 2026 rates: PAYE bands of 10%, 25%, 30%, 32.5% and 35%; personal relief of KSh 2,400 a month; NSSF at 6% capped at KSh 6,480; SHIF at 2.75%; and the housing levy at 1.5%. Taxable pay is your gross minus NSSF, SHIF and the housing levy. This assumes a standard resident employee with no other reliefs, benefits or allowances. Rates and bands change, so confirm with the Kenya Revenue Authority or your HR before relying on the figure.
How this PAYE calculator Kenya tool works
This PAYE calculator Kenya tool follows the same steps KRA and your payroll use. It starts with your gross salary, then subtracts your NSSF contribution, SHIF and the housing levy to find your taxable pay. It applies Kenya's progressive tax bands to that taxable amount, subtracts the personal relief of KSh 2,400 a month to get your PAYE, and finally takes PAYE and the statutory deductions off your gross to show your net take-home pay.
The 2026 rates it uses
- PAYE bands (monthly taxable pay): 10% on the first KSh 24,000, 25% on the next KSh 8,333, 30% up to KSh 500,000, 32.5% up to KSh 800,000, and 35% above that.
- Personal relief: KSh 2,400 a month, subtracted from your PAYE.
- NSSF: 6% of pay, capped at KSh 6,480 a month from February 2026.
- SHIF: 2.75% of gross pay (minimum KSh 300).
- Housing levy: 1.5% of gross pay.
A worked example
Say you earn a gross salary of KSh 100,000 a month. NSSF takes KSh 6,000, SHIF KSh 2,750 and the housing levy KSh 1,500, leaving taxable pay of KSh 89,750. After the tax bands and the KSh 2,400 relief, your PAYE is about KSh 19,308. Your net take-home pay lands at roughly KSh 70,442. This PAYE calculator Kenya tool does all of this instantly, so you can see how a raise or a different offer changes what you actually keep.
Once you know your take-home, put some of it to work. See how a growing balance compounds with our compound interest calculator, what a money market fund returns after tax with our money market fund calculator, and browse all our tools on the financial calculators page. To build a plan around your salary, read our guide on how to build an investment portfolio in Kenya.
Frequently asked questions
Is this PAYE calculator accurate for 2026?
It uses Kenya's 2026 PAYE bands, personal relief, and the current NSSF, SHIF and housing levy rates, so it gives a reliable estimate for a standard resident employee. It does not include extra reliefs, allowances, benefits or arrears, and rates can change during the year, so treat it as a close guide and confirm with the Kenya Revenue Authority or your HR.
What is deducted from my salary in Kenya?
From your gross pay, your employer deducts NSSF (6%, capped), SHIF (2.75%), the housing levy (1.5%) and PAYE income tax. PAYE is worked out on your pay after the first three are removed, then reduced by the KSh 2,400 personal relief. What remains is your net take-home pay.
How much is NSSF and SHIF in 2026?
NSSF is 6% of your pay, capped at KSh 6,480 a month from February 2026. SHIF is 2.75% of your gross salary with a minimum of KSh 300, and it replaced the old NHIF. The housing levy is a separate 1.5% of gross.
Your NSSF and pension contributions are part of a bigger picture. See how they fit together in our retirement planning in Kenya guide.
Disclaimer: This PAYE calculator is for educational and informational purposes only and does not constitute tax or financial advice. It uses 2026 rates for a standard resident employee and excludes other reliefs, allowances, benefits and arrears. Tax bands and statutory rates can change. Always confirm your exact figures with the Kenya Revenue Authority or your employer's HR or payroll before relying on them.