Calculate your net pay (take-home pay) in Kenya. Instantly see what you'll actually receive after PAYE tax, NSSF, SHIF, and Housing Levy deductions using current KRA rates.
Net pay, also called take-home pay, is the amount of money you actually receive in your bank account after all statutory deductions. In Kenya, net pay is your gross salary minus PAYE tax, NSSF contributions, SHIF contributions, and Housing Levy. Understanding your net pay is crucial for budgeting and financial planning.
Our net pay calculator follows the official KRA calculation method:
Gross pay is what your employer pays before deductions. Net pay is what you actually receive. The difference represents your contribution to national services. For example, if your gross pay is KES 100,000, your net pay might be around KES 75,000-80,000 depending on specific deductions.
See real examples of take-home pay for different salary ranges in Kenya. All calculations include PAYE tax, NSSF, SHIF, Housing Levy, and tax reliefs using current KRA rates for 2024/2025. Use these examples to estimate your net salary.
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 25,943
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 39,093
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 55,586
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 72,080
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 105,068
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Monthly salary calculation breakdown
Net Pay (Take-Home)
Ksh 138,055
This calculation uses KRA tax rates for 2024/2025: Progressive PAYE (10%-35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), Housing Levy (1.5%), Personal Relief (KES 2,400), and Housing Relief (15% of levy).
Knowing your net pay helps you budget effectively. If you're planning major financial decisions, you might find these tools helpful: salary calculator, mortgage calculator, or our loan calculator to get a complete picture of your financial situation.
Our calculations are based on official rates and guidelines from these authoritative Kenyan government institutions:
See your actual monthly income after all deductions. This is the money in your bank account.
Understand where your gross salary goes with detailed breakdown of PAYE, NSSF, SHIF, and Housing Levy.
Use your net pay to create accurate monthly budgets and financial plans.
Get your net pay calculation in seconds with real-time updates as you type.
Gross pay is your total salary before deductions. Net pay is your take-home amount after all statutory deductions (PAYE, NSSF, SHIF, Housing Levy) are subtracted. Net pay is what you actually receive in your bank account.
Net pay is reduced by statutory deductions required by Kenyan law: PAYE tax (progressive rates from 10% to 35%), NSSF (6% capped at KES 2,160), SHIF (2.75%), and Housing Levy (1.5%). Higher earners pay more due to progressive taxation.
You can increase net pay by: 1) Negotiating a higher gross salary, 2) Understanding tax reliefs you qualify for, 3) Contributing to pension schemes that offer additional tax relief, 4) Ensuring your employer applies all applicable reliefs including personal relief and housing relief.
Yes, if your gross salary remains constant. However, net pay can vary if you receive bonuses, overtime, or if tax rates change. Our calculator uses current 2024/2025 rates for accurate projections.
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Get your calculations immediately with a detailed breakdown.
Know exactly what you'll receive in your bank account. Use our net pay calculator for accurate take-home pay calculations.