Kenya Net Salary Calculator (PAYE, NSSF, SHIF, Housing Levy)

About the Kenya Net Salary Calculator (PAYE, NSSF, SHIF, Housing Levy)

See what reaches your bank account from a Kenyan salary, and what the job costs your employer. Enter your gross salary a month: the calculator takes off NSSF in Tier I and Tier II, SHIF at 2.75%, the Affordable Housing Levy at 1.5% and PAYE by KRA’s bands — NSSF, SHIF and the levy come off before PAYE is worked out — and shows your net pay, a month and a year.

It also shows your employer’s side: the NSSF it matches and its own 1.5% levy, for the full cost of employment. Want a set net pay? Switch to “Gross for a net pay” and it finds the gross salary that gives it, to the cent. Add other pension contributions, insurance premiums, non-cash benefits and loan or SACCO deductions under the options. Nothing you type leaves your browser.

Without a pass the page shows a free preview of your own result: your net pay, or the gross pay a net pay needs, with the first rows of each table, while every other figure stays hidden until you unlock it with a Pro pass.

What comes off a Kenyan payslip

• NSSF: 6% of your pensionable pay, in Tier I on pay up to the Lower Earnings Limit and in Tier II from there up to the Upper Earnings Limit. NSSF’s notice to employers sets the Year 4 limits at Ksh 9,000 and Ksh 108,000: at most Ksh 540 and Ksh 5,940 a month, Ksh 6,480 in all. Overtime and other fluctuating pay are left out (NSSF Act).
• SHIF: 2.75% of your gross salary, at least Ksh 300 a month, with no upper limit (Social Health Authority; SHI Regulations, regulation 17).
• Affordable Housing Levy: 1.5% of your gross salary (Affordable Housing Act, section 4).
• PAYE: income tax by KRA’s bands on your pay less NSSF, SHIF, the levy and other allowed deductions, less personal relief of Ksh 2,400 a month (KRA).

Other pension contributions, loan repayments and SACCO savings come off as well when your employer deducts them; only pension contributions lower your PAYE.

What your employer pays on top

Your employer pays as much NSSF as you do, Tier I and Tier II, and an amount equal to your Housing Levy (Affordable Housing Act, section 5). SHIF and PAYE are yours alone. So on Ksh 80,000 a month the job costs Ksh 86,000: the salary plus Ksh 6,000.

Finding the gross for a net pay

In Gross for a net pay the calculator tries gross salaries until the net pay after every deduction you entered equals the net pay you want, and shows the lowest gross salary, to the cent, that reaches it. It is the figure to ask for in a job offer quoted as take-home pay.

When each one is paid over

Your employer pays the PAYE it deducts by the 9th of the following month (KRA), NSSF by the 9th (NSSF Act, section 20), SHIF by the 9th (regulation 17) and the levy by the ninth working day after the end of the month (Affordable Housing Act, section 4).

Limitations

• For one month’s pay from one employer, the same every month. A bonus paid in one month, arrears and a second job are not included.
• Non-cash benefits are entered at their taxable value: the calculator does not value a car or a house for you.
• Mortgage interest and a post-retirement medical fund also lower PAYE: the Kenya PAYE Income Tax Calculator includes them.
• The cost of employment is the salary, the employer’s NSSF and its Housing Levy. Other costs of employing someone, such as other levies, insurance and benefits, are not included.
• The NSSF limits are NSSF’s Year 4 rates; change them under Deductions and benefits when NSSF publishes new ones.
• An estimate from the published rules, not tax or payroll advice: your employer’s payroll, KRA, NSSF and SHA decide the amounts.

Privacy

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