Use this free Net Salary Calculator Kenya (2026 updated) to estimate your monthly take-home pay after PAYE, SHIF, NSSF Tier I & Tier II (Year 4 rates), Housing Levy, and any extra deductions such as HELB, SACCO loans, or salary advances. Enter your gross salary and optional deductions to see an estimated net pay breakdown instantly.

Net Salary Calculator (Kenya)

Estimate take-home pay after PAYE, SHIF, NSSF (Tier I & II), Housing Levy, and other deductions.

If your payroll uses a different year, update rates in the script.
Other deductions total KES 0
Tip: Add multiple items, e.g., “HELB” 2,000 and “SACCO Loan” 5,000.
Estimated Net Salary
KES 0
Enter your gross salary and click Calculate.
Taxable payKES 0
PAYEKES 0
SHIFKES 0
NSSF Tier IKES 0
NSSF Tier IIKES 0
Total NSSFKES 0
Housing levyKES 0
Other deductionsKES 0
Total deductionsKES 0
Show calculation notes
  • PAYE uses progressive bands. Update bands/rates in the script if official values change.
  • Personal relief reduces PAYE (if enabled).
  • NSSF Year 4 (2026) limits: Tier I LEL 9,000 and Tier II UEL 108,000 at 6% employee rate.
  • SHIF and Housing Levy are approximated using common payroll rules. If your employer uses different rules, adjust in the script.
  • “Other deductions” are user-entered (e.g., HELB, SACCO loan, advances) and reduce net pay directly.

In Kenya, net salary is calculated by subtracting statutory deductions and taxes from gross salary. The main statutory items are PAYE (income tax), SHIF, NSSF contributions (Tier I and Tier II), and the Housing Levy. Some employees also have additional deductions such as HELB repayments, SACCO contributions, staff loans, insurance, or other payroll deductions that reduce take-home pay further.

Statutory Deductions Covered by This Calculator

This calculator includes the most common deductions used on Kenyan payslips, including:

  • PAYE income tax (based on tax bands)

  • SHIF contribution (health insurance)

  • NSSF Tier I and Tier II contributions (Year 4 structure)

  • Housing Levy (employee share)

  • Optional personal relief

  • Additional “Other deductions” such as HELB, SACCO loans, staff advances, or any custom payroll deductions

If your gross salary is KES 50,000, your net salary will depend on PAYE, SHIF, NSSF Tier I & II, Housing Levy, and any other deductions you add (such as HELB or loans). Use the calculator above to get an instant breakdown based on your inputs.

Frequently Asked Questions

How accurate is this net salary calculator in Kenya?

This calculator provides a close estimate based on statutory deductions and typical payroll rules in Kenya. Actual payslip values can vary depending on employer payroll settings, benefits, pension schemes, and how SHIF is applied.

Does this calculator include HELB or SACCO deductions?

Yes. Use the “Other deductions” section to add HELB, SACCO loans, staff loans, salary advances, or any other payroll deduction to get a more realistic take-home pay estimate.

What is the NSSF Tier I and Tier II structure in 2026?

Under Year 4 rates, NSSF is calculated using two tiers: Tier I applies up to the lower earnings limit, and Tier II applies from the lower earnings limit up to the upper earnings limit. This calculator shows both Tier I and Tier II amounts separately for transparency.

Can I use this calculator when applying for jobs?

Yes. It helps you understand what an offered gross salary may translate to after statutory deductions, so you can compare job offers more accurately.

Check the Latest Jobs Below