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M-Pesa Settlement Calculator (Kenya)

This M-Pesa settlement calculator estimates the net amount that reaches your account after charges on your daily M-Pesa sales, so you know what you can actually count on.

By Veira Team, Kenya SME toolsPublished June 2026Updated June 2026
Calculator
Result
Net settlement about KES 79,600
Gross M-Pesa salesKES 80,000
Estimated chargesKES 400
Net to your accountKES 79,600

Net settlement = gross sales minus charges. Tariffs vary by transaction band and product, so treat the percentage as an estimate and confirm your actual statement. Keeping money digital and paying suppliers directly avoids withdrawal charges.

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Know your real take-home

The figure on your sales screen is not always what reaches your account. Charges reduce the gross to a net settlement, and over a month that difference is real money.

Estimating it helps you plan cash and price for the cost. Confirm the exact figure against your statement, since tariffs change and vary by transaction.

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Worked examples

A trading day
  • KES 80,000 gross at about 0.5% charges.
  • Net to your account is roughly KES 79,600.

Frequently asked questions

How do I work out my M-Pesa settlement?
Subtract the charges from your gross M-Pesa sales. This calculator applies an average percentage to estimate the net that reaches your account, which you should confirm against your actual statement.
Why is my settlement less than my sales?
Transaction and withdrawal charges reduce the gross. The exact amount depends on the tariff band and whether you withdraw cash, so a small percentage of sales typically goes to charges.
How do I reduce settlement charges?
Keep money digital where you can and pay suppliers directly rather than withdrawing cash, since withdrawal is where much of the cost sits.
Are the charges fixed?
No, they are banded and change over time, so use this as an estimate and confirm exact figures on your statement.
How does Veira help?
Veira records gross sales and reconciles what actually settles, so you can see net takings rather than assuming the gross.

Doing this by hand every time? Veira runs the same calculation automatically on every sale, no spreadsheet required.

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