Back to Tools
SACCO Loan Eligibility Calculator
Calculate your SACCO loan borrowing power based on the 1/3 Net Pay rule and deposit multipliers under the 2026 Kenyan tax laws.
Lending Parameters
Configure your financial profile to check eligibility under 2026 tax laws.
Direct SACCO API Pre-FillCore Banking 3.0
Ksh 100,000.00
Ksh 500,000.00
Unlock 9.5% interest for first-time owners
Estimated Eligible Loan Amount
Ksh 1,500,000.00
ELIGIBLE
Based on 2026 Net Pay & 3X Multiplier1/3 Rule Capacity
Ksh 37,108.32
Available Monthly Repayment
Deposit Capacity
Ksh 1,500,000.00
Maximum based on 3X Multiplier
Your deposit balance is the limiting factor. Boost deposits to unlock higher credit.
Unlock Your Growth Audit
Our AI agents will analyze your SACCO's specific multipliers and interest rates.
Confused about the math?
Our Voice Assistant is here to help! Ask any questions about the 1/3 net pay rule, loan multipliers, or specific SACCO policies.
Tap microphone to start
Your voice is processed securely. Input is sanitized to protect privacy.