Where does your salary actually go?
A free Kenya take-home pay calculator. Enter your gross salary and see exactly what NSSF, SHIF, the Housing Levy and PAYE take, and what is left for you.
Work out your take-home pay
Use the amount before any deductions, as written in your contract.
How your take-home pay is worked out
- NSSF: 6% of your pay, up to a limit of KES 108,000. The most you can pay is KES 6,480 a month.
- SHIF (health insurance): 2.75% of your gross salary, with a minimum of KES 300.
- Affordable Housing Levy: 1.5% of your gross salary.
- Taxable pay: your gross salary minus the three deductions above. This is the amount PAYE is charged on.
- PAYE: charged in slices using the bands below, then reduced by your personal relief of KES 2,400 a month.
| Monthly taxable pay | Tax rate |
|---|---|
| First KES 24,000 | 10% |
| Next KES 8,333 (to KES 32,333) | 25% |
| KES 32,334 to KES 500,000 | 30% |
| KES 500,001 to KES 800,000 | 32.5% |
| Above KES 800,000 | 35% |
What this calculator does not include
This is an estimate for a standard salary. Your payslip may differ if you have extra pension contributions, insurance relief, taxable benefits, loan or sacco deductions, or if you are paid in a different way.
Your employer also pays a matching NSSF contribution and a matching Housing Levy. These never appear on your payslip and are not taken from your pay.
Rates last checked: October 2026. Kenyan rates change, usually with each Finance Act, so please confirm the current figures with the Kenya Revenue Authority at kra.go.ke. This page is for general information and is not tax advice.