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ToolKit KE

Salary Calculator

Estimate your take-home salary in Kenya after PAYE, NSSF, SHIF, the housing levy and pension.

This calculator provides an estimate for informational purposes and is not an official government service. Rates version 2025.1, last updated 01 Jul 2025.

KES
KES

Leave at 0 if not applicable.

KES

Transport, commuter, acting allowance, etc.

KES

Your own monthly contribution.

KES

SACCO, loan repayment, welfare.

Results update as you type. Nothing you enter leaves your browser.

Your estimated salary

Estimated net pay per month

Ksh 45,312

Ksh 60,000 gross · Ksh 14,688 deducted

Calculation breakdown

Gross salaryKsh 60,000
NSSF− Ksh 3,600
SHIF− Ksh 1,650
Housing levy− Ksh 900
Pension− Ksh 0
Taxable payKsh 53,850
PAYE before reliefKsh 10,938
Personal relief− Ksh 2,400
PAYE− Ksh 8,538
Other deductions− Ksh 0
Total deductionsKsh 14,688
Net salaryKsh 45,312
Annual gross
Ksh 720,000
Annual net
Ksh 543,740
Effective deduction rate
24.5%

How this tool works

Gross pay is the sum of basic salary, housing allowance and other taxable allowances. From that, NSSF, SHIF and the housing levy are deducted, along with any allowable pension contribution, to arrive at taxable pay.

PAYE is calculated on taxable pay using the graduated bands below, then reduced by the monthly personal relief of Ksh 2,400. Net pay is gross pay less PAYE, NSSF, SHIF, the housing levy, your pension contribution and any other deductions you entered.

  • NSSF: 6% of pensionable pay, capped at Ksh 72,000 per month.
  • SHIF: 2.75% of gross pay, minimum Ksh 300.
  • Housing levy: 1.5% of gross pay.
  • Pension relief is limited to Ksh 30,000 per month for tax purposes.

Assumptions: a resident employee paid monthly, no insurance or mortgage relief, no non-cash benefits, and no employer-specific arrangements.

Frequently asked questions

Is this an official government calculator?
No. ToolKit KE is independent and not affiliated with KRA, NSSF, SHA/SHIF or any government agency. The figures here are estimates based on published rates.
Which deductions are applied before PAYE?
NSSF, SHIF, the housing levy and allowable pension contributions are subtracted from gross pay to get taxable pay. PAYE is then calculated on that amount and reduced by the monthly personal relief.
Why does my payslip differ from this estimate?
Employers may apply insurance relief, mortgage interest relief, non-cash benefits, SACCO deductions, salary advances or a different pension arrangement. Those are not modelled here.
Do you store the salary figures I enter?
No. The calculation runs in your browser and nothing is sent to us or saved on our servers.

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