Kenya · 2026 KRA ratesIssue №01
Kenya PAYE Calculator 2026 — Net Salary, NSSF, SHIF & Housing Levy
Calculate your take-home.
Free Kenya PAYE and salary calculator. Works out your monthly net pay after PAYE tax, NSSF pension, SHIF (former NHIF), Housing Levy, HELB, SACCO and benefits in kind — using 2026 KRA tax bands.
§ 01 · CALCULATION
Monthly Gross Salary
Slide or enter your salary
Ksh 100,000
Net Salary
Ksh 0
70.3% of gross
PAYE
Ksh 21,087
21.1% rate
Deductions
Ksh 29,657
29.7% total
NSSF Pension
Ksh 4,320
6% to 72K
SHIF Health
Ksh 2,750
2.75%
Housing Levy
Ksh 1,500
1.5%
Taxable Income
Ksh 95,680
After NSSF
Salary Distribution
Gross → Net Breakdown
Gross Salary+Ksh 100,000
Ksh 100,000
PAYE Tax-Ksh 21,087
Ksh 78,913
NSSF-Ksh 4,320
Ksh 74,593
SHIF-Ksh 2,750
Ksh 71,843
Housing Levy-Ksh 1,500
Ksh 70,343
Tax Rates
Tax Efficiency
Deduction Split
Annual Projection
Annual Gross
Ksh 1,200,000
Annual Net
Ksh 844,112
Annual Tax
Ksh 253,048
Annual NSSF
Ksh 51,840
2026 Kenya PAYE Tax Bands
| Monthly Band | Rate |
|---|---|
| Ksh 0 - Ksh 24,000 | 10% |
| Ksh 24,000 - Ksh 32,333 | 25% |
| Ksh 32,333 - Ksh 500,000 | 30% |
| Ksh 500,000 - Ksh 800,000 | 32.5% |
| Above Ksh 800,000 | 35% |
Personal Relief: KES 2,400/month automatically applied
§ 03
Keep going
Guides & explainers
How to calculate your PAYE
Step-by-step using 2026 KRA bands
NSSF contributions 2026
6% rate, 72K cap, what changed
SHIF replaces NHIF
The new 2.75% health deduction
Kenya's Housing Levy
Why 1.5% comes out of every salary
7 ways to reduce your PAYE
Pension, mortgage, insurance relief
Bonus & 13th month pay
How your extras get taxed