Net Pay Calculator Kenya 2026
Get a precise breakdown of your take-home salary after PAYE, NSSF, SHIF, and Housing Levy deductions using the latest 2026 statutory rates.
Net Pay Calculator
Calculate your take-home salary after PAYE, NSSF, SHIF & Housing Levy (2026 rates).
AI Pay Slip Analyzer
Upload your payslip to automatically extract your salary details.
Gross Monthly Salary
2026 Rates Applied
- • NSSF: 6% (max KES 6,480)
- • SHIF: 2.75% (no cap)
- • Housing Levy: 1.5%
- • Personal Relief: KES 2,400
Your Take-Home Pay (Monthly)
KES 70,442
You keep 70.4% of your gross salary.
Salary Breakdown
Deduction Details
Tax Reliefs (Monthly Savings)
*Note: In 2026, SHIF and Housing Levy are allowable deductions (pre-tax), so secondary reliefs are no longer applicable.
Related Tools
Official References
Frequently Asked Questions
Understanding your Kenya payroll deductions.
What is PAYE in Kenya?
PAYE (Pay As You Earn) is income tax deducted from your salary by your employer. Kenya uses progressive tax brackets ranging from 10% to 35%. You also receive a Personal Relief of KES 2,400 per month which reduces your tax liability.
What are the new NSSF rates for 2026?
As of February 2026, NSSF contributions are 6% of your gross salary, split into Tier I (up to KES 9,000) and Tier II (KES 9,001 - 108,000). The maximum monthly contribution is KES 6,480. Your employer matches this contribution.
What is SHIF and how did it replace NHIF?
SHIF (Social Health Insurance Fund) replaced NHIF in 2024. The contribution rate is 2.75% of your gross salary with a mandatory minimum of KES 300. This provides universal health coverage for you and your dependents.
What is the Affordable Housing Levy?
The Housing Levy is a 1.5% deduction from your gross salary introduced under the Finance Act 2023. Your employer also matches this 1.5%. The levy is an allowable deduction, so it is taken off your pay before PAYE is calculated.