Net salary calculator Kenya (2026)
Enter your monthly gross salary to estimate your take-home pay. Last verified: October 2026.
This is an estimate. Your payslip may differ because of allowances, benefits, pension or other deductions. Rates used: PAYE bands 10% to 35%, personal relief KSh 2,400, NSSF 6% up to KSh 108,000, SHIF 2.75% (minimum KSh 300), Housing Levy 1.5%. Confirm with KRA, NSSF and SHA.
How net salary is worked out
Your employer deducts NSSF and SHIF from gross pay to get your taxable pay. PAYE is charged on that amount using five bands, then KSh 2,400 personal relief is subtracted. The Housing Levy is deducted separately. What remains is your net salary, or take-home pay.
Gross vs net salary
Gross salary is what you earn before deductions. Net salary is what reaches your bank or M-Pesa after statutory deductions and any loans or SACCO payments.
FAQ
How is net salary calculated in Kenya?
Gross salary minus NSSF, SHIF, Housing Levy and PAYE.
Is this calculator official?
No. It is an independent estimate tool.