Free tool for Kenya
See take-home pay and what an employee costs.
Type the monthly pay. See PAYE, NSSF, SHIF and the housing levy, then the full cost to the employer.
Your answer
Example numbers. Change the boxes to use yours.
You take home about Ksh 70,442 each month.
What makes up the answer
- PAYE tax: Ksh 19,308 (65%)
- NSSF: Ksh 6,000 (20%)
- SHIF: Ksh 2,750 (9%)
- Housing levy: Ksh 1,500 (5%)
The bar shows each part. The words under it give the numbers.
- PAYE tax
- Ksh 19,308
- NSSF
- Ksh 6,000
- SHIF
- Ksh 2,750
- Housing levy
- Ksh 1,500
How we worked this out
Here are the steps, one by one.
Step 1
You told us:
Pay before deductions, each month KES 100,000 Take off NSSF? Yes Take off SHIF? Yes Take off the housing levy? Yes
Step 2
NSSF: 6,000
6% of pay goes to NSSF, up to a top limit.
Step 3
SHIF: 2,750
2.75% of pay goes to SHIF for health cover, and never less than the minimum.
Step 4
Housing levy: 1,500
1.5% of pay goes to the housing levy.
Step 5
Pay that is taxed: 89,750
We take the deductions off the pay first.
Step 6
Tax before relief: 21,708.35
Each slice of pay is taxed at its own rate.
Step 7
PAYE tax: 19,308.35
We take off the monthly personal relief.
Step 8
Your answer:
You take home about Ksh 70,442 each month.
Rates as of 11 November 2026
Check the current rates with KRA, NSSF and SHA before you rely on this. It is a guide, not tax advice. It does not include insurance relief, pension or other allowances, and it is for a resident employee.
Your answer
Example numbers. Change the boxes to use yours.
The employee costs about Ksh 107,500 each month.
What makes up the answer
- Pay: Ksh 100,000 (93%)
- Employer NSSF: Ksh 6,000 (6%)
- Employer housing levy: Ksh 1,500 (1%)
The bar shows each part. The words under it give the numbers.
- Pay
- Ksh 100,000
- Employer NSSF
- Ksh 6,000
- Employer housing levy
- Ksh 1,500
How we worked this out
Here are the steps, one by one.
Step 1
You told us:
Pay before deductions, each month KES 100,000
Step 2
Employer NSSF: 6,000
The employer pays the same 6% as the employee, up to the same top limit.
Step 3
Employer housing levy: 1,500
The employer pays 1.5% of pay to the housing levy.
Step 4
Your answer:
The employee costs about Ksh 107,500 each month.
Rates as of 11 November 2026
Check the current rates with KRA, NSSF and SHA before you rely on this. It is a guide, not tax advice. SHIF is paid by the employee only. This does not include the NITA training levy, pension, medical cover or other costs.
The first tool shows what an employee takes home. The second shows what that employee costs you once your own NSSF and housing levy are added. Both show the date of the rates they use.
Questions
What does the take-home calculator include?
PAYE with the monthly personal relief, NSSF, SHIF and the housing levy.
What does the employer cost include?
The pay, plus the employer share of NSSF and the employer housing levy. Other levies are not included.
Is this payroll or tax advice?
No. It is a guide. Check the current rates with KRA, NSSF and SHA before you rely on a result.
Know what a hire costs before you commit.
This page is a free guide. Payroll in BizPlusX is Ask us on Business and Growth, and included on Enterprise.