Net Salary Calculator Kenya (2026) | Accurate PAYE & SHIF
Patrick Buyela
Verified by Patrick Buyela, Payroll Expert · Updated March 2026

Net Salary Calculator Kenya

Calculate your exact take-home pay in seconds. Our tool is fully updated for 2026, automatically applying the latest KRA PAYE tax bands, SHIF rates (2.75%), and NSSF Phase 4 limits to give you an accurate payroll estimate.

Income Details
KES

Pro Tip: Enter your basic salary plus all regular cash allowances. The calculator automatically handles pre-tax deductions (NSSF, SHIF, Housing Levy) before applying PAYE.

Take-Home Pay Breakdown
Gross Salary
KES 0
NSSF Contribution Phase 4 Limit applied (Tier I & II)
- KES 0
SHIF Deduction 2.75% of Gross (Min KES 300)
- KES 0
Affordable Housing Levy 1.5% Employee Portion
- KES 0
Taxable Pay (Amount subject to PAYE)
KES 0
PAYE (Income Tax) Calculated post-relief (KES 2,400)
- KES 0
Net Take-Home Salary
KES 0

Understanding Your Salary Deductions

Our calculator processes your gross pay using the latest statutory frameworks enacted by the Kenya Revenue Authority (KRA) for the 2026 financial year. Here is how your money is allocated.

2026 KRA PAYE Tax Bands

Monthly Taxable Income (KES) Tax Rate (%)
Up to 24,000 10%
24,001 - 32,333 25%
32,334 - 500,000 30%
500,001 - 800,000 32.5%
Above 800,000 35%

Frequently Asked Questions

What are the NSSF Phase 4 limits for 2026?
Effective February 2026, the NSSF Tier I limit increased to KES 9,000, and the Tier II limit increased to KES 108,000. Employees contribute 6% up to this maximum limit, meaning the highest possible monthly employee deduction is KES 6,480.
How is SHIF calculated?
The Social Health Insurance Fund (SHIF) replaced NHIF. It is calculated as a flat 2.75% of your gross monthly salary without an upper cap. The law mandates a minimum contribution of KES 300 per month.
Are deductions made before or after tax?
Under current Kenyan tax laws, your NSSF, SHIF, and Affordable Housing Levy (AHL) contributions are considered allowable deductions. This means they are subtracted from your gross pay before your PAYE tax is calculated, which helps lower your overall tax burden.

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