SACCO Financial Engineering Engine
SACCO Loan Multiplier & Product Comparison Matrix
Compare SACCO loan products side-by-side. Analyze 3x–5x deposit multipliers, Reducing Balance vs Flat Rate interest costs, and 1/3 net pay compliance.
1. Member Savings, Income & Dividend Inputs
Enter your current SACCO deposits, monthly salary, and expected dividend rate to calculate net borrowing costs.
Quick Presets:
Annual Dividend Yield Projection (12% p.a.)
Your KES 250,000 deposits earn approx. KES 30,000/year (~KES 2,500/month) in dividends to subsidize loan interest!
2. SACCO & KMRC Product Comparison Matrix
Most Popular
Development
Normal Development Loan
Max Capacity (3x Multiplier)KES 750,000
Monthly InstallmentKES 19,750
Nominal Interest12% p.a.
Interest MethodReducing Bal
Default Tenure48 Months
Total InterestKES 198,018
Net Interest (Post Dividends)KES 78,018
Passes 1/3 Net Pay Rule
Super / Advantage
Super / Advantage Loan
Max Capacity (4x Multiplier)KES 1,000,000
Monthly InstallmentKES 23,010
Nominal Interest13.5% p.a.
Interest MethodReducing Bal
Default Tenure60 Months
Total InterestKES 380,591
Net Interest (Post Dividends)KES 230,591
Passes 1/3 Net Pay Rule
Emergency
Emergency / Short-Term Loan
Max Capacity (1x Multiplier)KES 250,000
Monthly InstallmentKES 23,333
Nominal Interest12% p.a.
Interest MethodFlat Rate
Default Tenure12 Months
Total InterestKES 30,000
Net Interest (Post Dividends)KES 0
Passes 1/3 Net Pay Rule
Most Popular
KMRC Mortgage
KMRC Single-Digit Mortgage
Max Capacity (4x Multiplier)KES 1,000,000
Monthly InstallmentKES 12,940
Nominal Interest9.5% p.a.
Interest MethodReducing Bal
Default Tenure120 Months
Total InterestKES 552,771
Net Interest (Post Dividends)KES 252,771
Passes 1/3 Net Pay Rule
Commercial Bank
Commercial Bank Baseline Mortgage
Max Capacity (4x Multiplier)KES 1,000,000
Monthly InstallmentKES 16,441
Nominal Interest15.5% p.a.
Interest MethodReducing Bal
Default Tenure120 Months
Total InterestKES 972,926
Net Interest (Post Dividends)KES 672,926
Passes 1/3 Net Pay Rule
3. Reducing Balance vs. Flat Rate Interest Cost Simulator
See the exact shilling difference in interest paid when borrowing under Reducing Balance vs. Flat Rate methods.
Reducing Balance Method
RecommendedInterest is recalculated each month on your declining principal balance.
Monthly Payment:KES 16,607
Total Interest Payable:KES 97,858
Effective Annual Rate (EAR):12% p.a.
Flat Rate Method
Higher CostInterest is charged on the initial full loan amount every month regardless of repayments.
Monthly Payment:KES 18,889
Total Interest Payable:KES 180,000
Effective Annual Rate (EAR):~22.2% p.a.
By choosing Reducing Balance instead of Flat Rate, you save KES 82,142 in total interest!