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.

Ramon Gitau AI Advisory ToolsEast African Statutory Expansion

Regional Governance Framework 2026

East African SACCO Statutory & Tax Cockpit

Bank-grade regulatory liquidity, capital adequacy auditing, and statutory payroll tax engines for Bank of Uganda (BoU / UMRA) Tier 4 SACCOs and Bank of Tanzania (BoT / TCDC) Tier 2 SACCOS frameworks.

Module 1 • Capital Adequacy & Liquidity Audit

🇺🇬 Uganda SACCO Regulatory Compliance Audit

Governed by Bank of Uganda (BoU) & UMRA statutory capital adequacy and liquidity rules.

Status: COMPLIANT (100/100)

SACCO Balance Sheet Inputs (UGX)

SACCO Institution Name

Total Assets (UGX)

Total Deposits (UGX)

Liquid Assets (UGX)

Core Capital (UGX)

Non-Performing Loans

Gross Loan Book

Liquid Asset Ratio

20.0%

Floor: 15.0%

Core Capital Ratio

10.0%

Floor: 8.0%

NPL Ratio

3.0%

Max Benchmark: 5.0%

Statutory Advisory Recommendations (🇺🇬 Uganda):

Liquidity ratio (20.0%) satisfies statutory requirements with UGX 20,000,000,000 surplus.

Core capital ratio (10.0%) is compliant with statutory capital adequacy rules.

Module 2 • Regional Statutory Tax & Dividend WHT Engine

🇺🇬 Uganda URA / TRA Statutory Payroll Breakdown

Calculates PAYE, NSSF, SDL, WCF, and Dividend Withholding Tax for East African SACCO check-off loans.

Member Payroll Inputs (UGX)

Monthly Gross Salary (UGX)

SACCO Check-off Loan Deduction (UGX)

PAYE Tax Liability

UGX 899,500

Effective Tax Rate: 25.7%

Social Security (NSSF)

UGX 175,000

Employer Portion: UGX 350,000

Net Take-Home Pay

UGX 2,425,500

Take-Home: 69% of Gross

SACCO Dividend WHT (15%)

UGX 105,000

Net Dividend to Member: UGX 595,000

East African SACCO Statutory Comparison Matrix (2026)

Statutory Metric	🇰🇪 Kenya (SASRA/CBK)	🇺🇬 Uganda (BoU/UMRA)	🇹🇿 Tanzania (BoT/TCDC)
Minimum Liquidity Floor	15.0% of Deposits	15.0% of Deposits	15.0% Short-term Liabilities
Core Capital Adequacy Floor	8.0% of Assets	8.0% of Assets	10.0% of Assets
NPL Ceiling Benchmark	5.0% Max	5.0% Max	5.0% Max
SACCO Dividend WHT Rate	5.0% WHT	15.0% WHT	10.0% WHT
Employee Pension Contribution	NSSF Tier I & II (KES 2,160)	5.0% Uncapped	10.0% Uncapped