Veira

Kenya Net Salary Calculator (2026)

This net salary calculator Kenya 2026 takes a gross monthly salary and applies PAYE (with personal relief), SHIF (replaces NHIF), NSSF (Tier I + II) and the 1.5% Affordable Housing Levy.

Updated July 2026
Calculator
Result
Net pay KES 70,441.65
GrossKES 100,000.00
NSSF−KES 6,000.00
SHIF (2.75%)−KES 2,750.00
AHL (1.5%)−KES 1,500.00
PAYE−KES 19,308.35
Net take-homeKES 70,441.65

NSSF, SHIF and AHL reduce PAYE-taxable pay. Personal relief of KES 2,400 is included.

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How net salary is computed in Kenya

Start from gross pay. Subtract NSSF (6% of pensionable pay, February 2026 limits), SHIF (2.75% of gross) and AHL (1.5% of gross). The remainder is taxable pay.

Apply PAYE bands (10% to 35%) on the taxable pay and subtract KES 2,400 personal relief. Net = Gross − NSSF − SHIF − AHL − PAYE.

Sources and methodology

Rates verified July 2026: PAYE bands and KES 2,400 personal relief per the Finance Act 2023 schedule in force; SHIF at 2.75% of gross (minimum KES 300) under the Social Health Insurance regulations; NSSF at the Phase 4 limits effective February 2026 (KES 9,000 lower, KES 108,000 upper); Affordable Housing Levy at 1.5% of gross.

Worked examples

Gross KES 100,000
  • NSSF = 6% on 9,000 + 6% on 91,000 = 6,000
  • SHIF = 2,750 · AHL = 1,500
  • Taxable ≈ 89,750 · PAYE ≈ 19,308
  • Net ≈ KES 70,442

Frequently asked questions

What deductions reduce PAYE-taxable pay?
NSSF, SHIF, AHL, allowable pension contributions and mortgage interest relief (up to KES 25,000/month).
Has NHIF been replaced?
Yes. NHIF transitioned to SHIF from October 2024, a flat 2.75% of gross.
What is the personal relief?
KES 2,400 per month for resident employees.
Are bonuses taxed differently?
No. Bonuses are added to gross and taxed at the marginal PAYE rate.
Does Veira generate payslips?
Yes. Veira issues KRA-compliant payslips and the monthly iTax PAYE file.

Business reviews

4.8
Based on 4 reviews
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Jane M.
Verified business

Finally a tool that gets Kenyan tax rules right. Zero KRA rejections since using this.

5/10/2024
Noor A.
Verified business

Accurate and saves me hours every month. The breakdown is clear and my staff finally understand their deductions.

5/20/2024
Ahmed H.
Verified business

Exactly what I needed. Calculated costs before ordering and saved a fortune on import duties.

5/15/2024
David K.
Verified business

Very helpful. Only thing missing is export to CSV but overall excellent.

5/5/2024

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