🇰🇪 2025/26 KRA Rates — Free Tool

Kenyan Net Pay
Calculator

Instantly compute your take-home pay with current KRA PAYE bands, SHIF, NSSF Tier I & II, and the Affordable Housing Levy — all in one click.

2025/26
Tax Year Rates
5
Deductions Covered
100%
Free to Use
KRA
Compliant Rates
What We Calculate

Every Statutory Deduction
Covered

Our calculator handles all mandatory Kenyan payroll deductions using current 2025/26 rates.

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KRA PAYE

Computed against the latest KRA tax bands: 10% on first KES 24,000; 25% on next KES 8,333; 30% on next KES 467,667; 32.5% above KES 500,000 — less personal and insurance reliefs.

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SHIF (Social Health Insurance)

Social Health Insurance Fund contribution at 2.75% of gross salary, replacing the old NHIF flat-rate structure effective October 2024.

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NSSF Tier I & Tier II

National Social Security Fund at 6% on the first KES 9,000 (Tier I, max KES 540) and 6% on earnings from KES 9,001 to KES 108,000 (Tier II, max KES 5,940).

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Affordable Housing Levy

Employee AHL deduction at 1.5% of gross salary, remitted monthly to KRA under the Affordable Housing Act.

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Personal & Insurance Relief

Standard personal relief of KES 2,400 per month applied against gross PAYE. Insurance relief at 15% of qualifying premiums, capped at KES 5,000/month.

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Full Computation Breakdown

Step-by-step payroll computation table showing every deduction, taxable pay derivation, PAYE band breakdown, and the final net take-home — downloadable as PDF or Excel.

Built for Accuracy

Trusted by HR teams, finance managers, and employees across Kenya.

Instant Results

Enter your gross salary and get a full payroll breakdown in under a second — no sign-up required.

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Always Up to Date

Rates reflect the 2025/26 Finance Act — PAYE bands, new SHIF rate, revised NSSF tiers, and AHL included.

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Download-Ready

Export your payroll computation as a PDF payslip or Excel spreadsheet with one click.

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Expert Backing

Built by Naicents payroll professionals with over 10 years of Kenyan compliance experience.

Net Pay Calculator

Compute net pay with up-to-date 2025/26 KRA PAYE bands, SHIF (2.75%), NSSF Tier I & II, and Housing Levy.

💼 Employee Details

Enter basic salary + all taxable allowances
Included in gross if already consolidated
15% of life/health premium, max KES 5,000/month
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Enter salary details on the left and click Calculate to see the full payroll breakdown.

Get Your Net Pay in 4 Steps

Simple, fast, and accurate — every time.

1

Enter Gross Salary

Input your basic salary plus any house allowance or other taxable allowances.

2

Set Relief Options

Confirm your personal relief status and enter any insurance relief amount.

3

Click Calculate

Instantly see your PAYE, SHIF, NSSF, AHL, and final take-home pay.

4

Download Results

Export the full computation as a PDF payslip or Excel file for your records.

Trusted by Businesses Across Kenya

From Nairobi startups to established enterprises — here's what our clients say.

★★★★★
"We had a KRA audit and came out clean — Naicents had every filing perfectly documented. Absolute lifesavers."
AK
Amira Kamau
CEO, Savanna Tech Ltd · Nairobi
★★★★★
"Switching from manual payroll to Naicents saved us 3 days of admin per month. The calculator tool alone is invaluable for new hires."
JO
James Otieno
HR Manager, BlueNile Logistics · Mombasa
★★★★★
"Their knowledge of the Housing Levy changes and new NSSF tiers was spot-on from day one. Highly recommend for any growing SME."
FW
Faith Wanjiku
Finance Director, Rift Valley Farms

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