Money rates hub
The figures that move your pay, savings and loans, in one place. Pick your country, try your own amounts, and jump to the full calculator or guide for any of them.
These figures aren't live. Each one shows the date we last checked it against its source, and rates can change after that. Confirm with your bank, provider or central bank before you act on them.
Your pay
What you take home in Kenya
Take-home
KES 39,029
Income tax
KES 5,846
Tax rate
11.69%
The top rate is 35%. The calculator also breaks down every deduction.
Sending money
What it costs to send and withdraw
M-Pesa charges
Checked 25 Sept 2026- Send to M-Pesa userKES 13
- Send to other networksKES 13
- Withdraw at agentKES 29
PesaLink charges by bank
Checked 20 Oct 2026Cheapest for KES 1,000: free at Equity Bank.
Saving
What your savings can earn
Kenya money market fund returns
Checked 10 Oct 2026- CIC Money Market Fund12.47% a year
- Cytonn Money Market Fund (KES)11.1% a year
- NCBA (KES) Money Market Fund6.7% a year
Before the 15% tax on interest.
Top SACCO dividends
Checked 25 Sept 2026- Tower Sacco20% dividend
- Ports Sacco20% dividend
- Bandari Sacco18% dividend
Borrowing
What borrowing costs
- Kenya mortgage & home loan repaymentsOpen →
Typical rate 15% a year · Kenya's average mortgage rate (Central Bank Rate plus each bank's own premium) ranged from about 13.3% to just under 19% across banks disclosed on the Kenya Bankers Association's Total Cost of Credit portal in early-to-mid October 2026, with the Central Bank Rate held at 8.75% since 7 October 2026. Use the rate on your own offer, since it depends on your income, deposit and credit profile.
- Mobile loan true costOpen →
M-Shwari, KCB M-Pesa and the Hustler Fund side by side
- HELB loan repaymentOpen →
How long your HELB loan takes to clear
Every Kenya calculator
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