Free tools
Money calculators
Quick answers to everyday money questions: what you'll take home, what a transfer costs and how much your savings will earn, using each country's current rates.
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See all →Kenya
- Perimeter wall costStones, cement, steel and labour for your plot, with a full bill of quantities.Open calculator →
- Kenya PAYE & net payWork out your take-home pay in Kenya: PAYE, NSSF, SHIF and the housing levy on any gross salary, using the current rates.Open calculator →
- M-Pesa chargesSending KES 1,000 on M-Pesa costs KES 13 and withdrawing KES 5,000 costs KES 69. Enter any amount for Safaricom's current send and withdraw fees.Open calculator →
- PesaLink charges by bankPick your bank and amount to see what PesaLink charges, and compare KCB, Equity, Co-op, NCBA, Absa, I&M and every other Kenyan bank.Open calculator →
- Poultry business plan builderBuild a bank-ready poultry business plan for layers or broilers with your own numbers: Word plan, Excel with live formulas and PDF, from current Kenyan prices.Open calculator →
- Chama constitution templateMake your chama's constitution, founding-meeting minutes and Excel record book from your own rules, covering everything the Community Groups Registration Act requires.Open calculator →
- M-Pesa statement analyzerOpen your M-Pesa statement PDF on your phone and see your real income and spending, what M-Pesa charges and Fuliza cost you, possible tax reliefs and an eTIMS checklist. Nothing is uploaded.Open calculator →
- House construction cost calculatorPhotograph your house plan or start from a typical 2, 3 or 4-bedroom bungalow, and see what it costs to build in Kenya phase by phase, from foundation to roof to finishes, with a full bill of quantities.Open calculator →
- Tenancy agreement templateMake a tenancy (rental) agreement for a house or flat in Kenya with your rent, deposit, bills and notice period filled in, ready to print and sign.Open calculator →
- Car sale agreementMake a motor vehicle sale agreement for Kenya with the car's details, price, deposit and NTSA transfer filled in, ready to print and sign.Open calculator →
- Land sale agreementMake an agreement for the sale of land in Kenya with the title, price, deposit, completion, Land Control Board consent and spouse's consent filled in.Open calculator →
- House help salary and payslipWork out a house help's take-home pay after NSSF, SHIF, housing levy and PAYE, what they cost you, and get an Employment Act contract and a year of payslips.Open calculator →
- Car import dutySearch 5,000+ models on KRA's July 2025 CRSP list and see the import duty, excise, VAT, IDF and railway levy on a used car.Open calculator →
- Kenya SACCO dividendsWork out what your SACCO shares and deposits pay out, before and after tax, and compare FY2025 dividend and interest rates from 12 large Kenyan SACCOs.Open calculator →
- Kenya money market fund returnsSee what KES 50,000 (or any amount) earns in Kenya's money market funds, using each fund's own latest published rate.Open calculator →
- Kenya NSSF contributionsWork out your NSSF Tier I and Tier II deductions on any salary, and what your employer pays to match you.Open calculator →
- HELB loan repaymentEnter your HELB balance and monthly payment to see when you'll clear it, the 4% interest you'll pay, and what it takes to finish in 2, 3, 5 or 10 years.Open calculator →
- Kenya mortgage & home loan repaymentsSee your monthly mortgage repayment and total interest at Kenya's current bank rates, and compare it with the cheaper KMRC affordable-housing rate.Open calculator →
- Mobile loan true costSee what a phone loan costs before you borrow: M-Shwari, KCB M-Pesa, the Hustler Fund or any app's quote, with the cost over a month and over a year.Open calculator →
- Chama contributionsPlan your chama's merry-go-round: each member's payout, the date of every turn, and what the group's savings pot is worth at the end of the round.Open calculator →
- Budget plannerPlan where your salary goes: rent, food, fare, black tax, chama and savings, checked against the 50/30/20 rule so you can see what's left or overspent.Open calculator →
Nigeria
Anywhere in Africa
- Poultry feed formulatorTick the ingredients you have and get the cheapest balanced layers mash, chick mash, growers or broiler feed, checked against published nutrient standards.Open calculator →
- Dairy meal formulatorTick what you have (maize germ, pollard, cotton seed cake, sunflower and more) and get the cheapest dairy meal, high-yielder meal or calf starter that meets the standard.Open calculator →
- Pig feed formulatorTick the ingredients you have and get the cheapest balanced creep, weaner, grower, finisher or sow feed, checked against NRC nutrient requirements.Open calculator →
- Compound interestSee how a lump sum and monthly top-ups grow with compound interest over any number of years, with optional tax on earnings.Open calculator →
- Savings goalEnter a target, a deadline and what you have saved so far to see what to put away each month, week or day, in shillings, naira, cedis, rand or kwacha.Open calculator →
South Africa
- South Africa PAYE & net payWork out your PAYE and UIF deductions and see your take-home pay in South Africa, using SARS's current tax tables.Open calculator →
- South Africa personal loan repaymentsSee your monthly repayment on an unsecured personal loan in South Africa, the National Credit Act's maximum interest rate, and the fees lenders can legally add.Open calculator →
- South Africa home loan & bond repaymentsWork out your monthly bond repayment at South Africa's current prime rate, see the total interest over the loan, and what the NCA-capped initiation fee and bond costs add on top.Open calculator →
Zimbabwe
- EcoCash chargesSending US$100 on EcoCash costs US$3.30 with the IMTT tax, and cashing it out costs another US$1.70. Type any amount to see what you'll pay before you send.Open calculator →
- Zimbabwe PAYE (USD)Work out PAYE and the 3% AIDS levy on a US dollar salary in Zimbabwe using ZIMRA's tax tables. The first US$100 a month is tax-free.Open calculator →
Zambia
- Zambia PAYE & net payWork out your PAYE, NAPSA and NHIMA in Zambia and see your take-home pay. The first K5,100 a month is tax-free.Open calculator →
- Airtel Money charges (Zambia)Withdrawing K1,000 on Airtel Money costs K20, but K1,010 costs K35. Type any amount to see what you'll pay to withdraw, send or bank it, with MTN alongside.Open calculator →
Malawi
Botswana
- Orange Money and MyZaka chargesSending money costs a flat P6 on Orange Money and P5 on MyZaka. Cashing out is where they differ, so type your amount and see which one is cheaper.Open calculator →
- Botswana PAYE & net payCalculate PAYE on your monthly salary in Botswana with the BURS bands, including the 27.5% top rate from July 2026. The first P4,000 is tax-free.Open calculator →
Lesotho
- M-Pesa and EcoCash charges (Lesotho)Up to M5,000, M-Pesa and EcoCash cost almost the same in Lesotho. Above that, EcoCash is much cheaper. Type any amount to see both networks' fees.Open calculator →
- Lesotho PAYE & net payCalculate your PAYE in Lesotho: 20% and 30% bands minus the M1,020 monthly tax credit. Pay of M5,100 or less is tax-free.Open calculator →
Namibia
Ghana
- Ghana MoMo chargesCashing out GH₵1,000 on MTN MoMo costs GH₵10, and GH₵5,000 costs a flat GH₵20. Enter any amount for MTN's current fees.Open calculator →
- Ghana PAYE & net payWork out your monthly PAYE, SSNIT deduction and take-home pay under the Ghana Revenue Authority's current PAYE bands.Open calculator →
Tanzania
- Tanzania PAYE & net payWork out your monthly PAYE, NSSF deduction and net salary under TRA's current Tanzania tax bands.Open calculator →
- Tanzania mobile money chargesSee what Vodacom M-Pesa, Mixx by Yas and HaloPesa charge to send money or cash out in Tanzania, including the government levy on withdrawals.Open calculator →
Uganda
- Uganda MTN & Airtel mobile money feesSee what MTN Mobile Money and Airtel Money charge to send or withdraw any amount in Uganda, including the 0.5% government tax on cash-outs.Open calculator →
- Uganda PAYE & net payWork out your monthly PAYE, NSSF deduction and net salary under URA's current Uganda tax bands.Open calculator →
- Uganda MTN agent commissionSee exactly what MTN pays Uganda mobile money agents per cash-in and cash-out band, and what's left after the new 10% withholding tax.Open calculator →