What This Calculator Estimates
Kenyan salaries are subject to PAYE income tax administered by KRA on a progressive 5-band system, along with SHIF (2.75%, replaced NHIF), NSSF (6%, capped), and the Affordable Housing Levy (1.5%). This calculator computes your exact monthly take-home pay using the current 2026 KRA bands, personal relief, and all three statutory deductions automatically.
How to Use This Calculator
- Enter your monthly gross salary.
- Click Calculate PAYE & Take-Home Pay.
- Review your exact PAYE, NSSF, SHIF, Housing Levy, and net pay.
2026 Kenya Statutory Rates
PAYE uses 5 progressive bands: 10% up to KES 24,000/month, 25% on the next KES 8,333, 30% up to KES 500,000, 32.5% up to KES 800,000, and 35% above that — minus a KES 2,400/month personal relief. On top of PAYE, employees pay SHIF at a flat 2.75% of gross (no cap, replaced NHIF in October 2024), NSSF at 6% on a two-tier band effective Feb 2026 (Tier I: 6% up to KES 9,000; Tier II: 6% on earnings from KES 9,000 to the KES 108,000 ceiling), capping the maximum employee contribution at KES 6,480/month, matched by the employer. The Affordable Housing Levy is 1.5% of gross. Worked example: on a KES 100,000/month salary, expect NSSF of KES 540 + 6% × (100,000-9,000) = KES 6,000, SHIF of KES 2,750, and Housing Levy of KES 1,500, with PAYE applied to the remaining taxable balance after these deductions — total statutory deductions land around KES 25,000-32,000/month depending on reliefs claimed.
Official Sources
Kenya Revenue Authority (KRA) for PAYE; NSSF Kenya for pension contribution tiers; SHA/SHIF for health insurance rates.
Related Calculators
PAYE Calculator Kenya · Salary Calculator South Africa · Payroll Calculator
Tips for a More Accurate Estimate
- This calculator already applies the exact current KRA bands, personal relief, NSSF, SHIF, and Housing Levy automatically.
- Results reflect standard employment income; irregular bonuses or benefits-in-kind may need separate treatment.
- Cross-check your estimate against an actual payslip for accuracy.
Frequently Asked Questions
What deductions typically apply to a Kenyan salary?
PAYE income tax, SHIF (health insurance, replaced NHIF), NSSF (pension), and the Affordable Housing Levy are the main statutory deductions from gross salary in Kenya.
Does this calculator compute exact PAYE automatically?
Yes. It applies the current 2026 KRA progressive bands, personal relief, NSSF, SHIF, and the Housing Levy automatically from your gross salary.
What is the housing levy in Kenya?
It's a statutory contribution introduced to fund affordable housing initiatives, deducted as a percentage of gross salary from both employer and employee — check KRA's current rate for exact figures.
Is NSSF contribution mandatory for all employees?
Yes, NSSF (National Social Security Fund) contributions are generally mandatory for employees in Kenya, with rates and tiers set by NSSF regulations.
How can I estimate my true net salary?
This calculator already gives you the exact figure — it applies current PAYE bands, personal relief, NSSF, SHIF, and the Housing Levy automatically to your gross salary.
Last updated: May 11, 2026