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.

Terms of Service | Legal Framework

Agreement

By accessing and using Ramon Gitau's website and tools, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you are prohibited from using this site.

1. Use of Calculators

All calculators on this site are provided for educational and illustrative purposes only.

DisclaimerResults should not be considered financial advice. I strongly recommend consulting with a qualified financial advisor or your respective financial institution (SACCO/Bank) before making any major financial decisions.

2. Intellectual Property

The content, design, and proprietary tools on this website are the property of Ramon Gitau and are protected by applicable copyright and trademark laws.

3. Limitation of Liability

Ramon Gitau shall not be held liable for any damages arising out of the use or inability to use the tools or strategic materials on this website, even if notified of the possibility of such damages.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Kenya, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.