Employment Act Sec 19(3) Compliant

SASRA 1/3 Rule & Borrowing Power Calculator

Simulate your statutory debt serviceability under Kenyan labor laws, compute guarantor deposit backing requirements, and calculate maximum SACCO borrowing capacity.

1. Salary & Deductions Profile (KES)

Basic Monthly Salary

Allowances / Other Regular Income

Statutory Deductions (PAYE, NSSF, SHIF, Levy)

Existing Non-SACCO Checkoffs (Bank loans)

2. SACCO Facility Parameters

Target SACCO Institution

Your Accumulated SACCO Deposits

Desired Facility Amount (KES)

Repayment Tenure (72 Months / 6.0 Yrs)

12m36m60m84m96m

Statutory 1/3 Rule Compliant

Projected take-home pay (KSh 76,125) comfortably exceeds the legal floor of KSh 50,000.

Estimated Monthly EMI (12% p.a.):KSh 48,875

Max Allowable Monthly Deduction:KSh 75,000

Legal Net Salary Floor (1/3 Basic):KSh 50,000

Total Deposits Required (at 3x):KSh 833,333

Guarantor Deposit Shortfall:KSh 33,333 (Guarantors Needed)

Borrowing Power by Deposit Multiplier

3x MultiplierKSh 2.40M

4x MultiplierKSh 3.20M

5x MultiplierKSh 4.00M

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Expert debt consolidation, balance sheet structuring & SACCO advisory.