What is the difference between NHIF and SHIF?

SHIF (Social Health Insurance Fund) replaces NHIF. While NHIF used graduated bands, SHIF deducts a flat 2.75% of gross salary with no upper limit.

When does SHIF take effect for employers?

Employers must update their payroll systems to calculate and remit SHIF deductions instead of NHIF immediately based on the latest KRA and Ministry of Health directives.

Are Ramon Gitau financial calculators compliant with 2026 Kenyan tax laws?

Yes. All financial calculators incorporate the latest 2026 statutory rates including PAYE tax bands, SHIF (2.75%), NSSF Tier I/II contributions, Affordable Housing Levy (1.5%), and SASRA regulatory limits.

Is user data stored when using online financial tools?

No. All mathematical computations, PDF generation, and scenario simulations run 100% locally inside your browser using client-side JavaScript. No private data is logged or transmitted.

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Solution Details

Navigating the SHIF Transition

Understanding the financial and operational impact of the shift from NHIF to SHIF. Let me help you audit your payroll systems for immediate compliance.

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