Tax Calculator Kenya 2024/2025 KRA Tax Rates

Comprehensive tax calculator for Kenya. Calculate your income tax liability using official KRA tax rates and brackets for 2024/2025. Understand your PAYE tax, total deductions, and tax-saving opportunities.

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KENYA TAX CALCULATOR

KES
GROSS INCOME
KES 100,000
NSSF DEDUCTION
- KES 2,160
TAXABLE INCOME
KES 97,840
PAYE TAX
KES 24,135
PERSONAL RELIEF
- KES 2,400
HOUSING RELIEF
- KES 225
NET TAX
KES 21,510

Effective Tax Rate: 21.51%

Understanding Kenya Tax System

Kenya operates a progressive tax system administered by the Kenya Revenue Authority (KRA). This means tax rates increase as income increases. The current tax brackets for 2024/2025 range from 10% for low earners to 35% for high earners. Our tax calculator helps you understand your exact tax liability based on these official KRA rates.

Kenya Income Tax Brackets 2024/2025

Monthly Income (KES)Tax RateTax Amount
0 - 24,00010%Up to 2,400
24,001 - 32,33325%Up to 2,083
32,334 - 500,00030%Up to 140,300
500,001 - 800,00032.5%Up to 97,500
Above 800,00035%Variable

Tax Reliefs in Kenya

Every Kenyan taxpayer is entitled to certain tax reliefs:

  • Personal Relief: KES 2,400 per month for all taxpayers
  • Housing Relief: 15% of Affordable Housing Levy contribution
  • Insurance Relief: Up to KES 5,000 per month for life insurance premiums
  • Pension Relief: Contributions to registered pension schemes
  • Mortgage Interest Relief: Relief on home loan interest payments

Understanding tax brackets and liabilities helps optimize your finances. Complement your tax planning with our PAYE calculator, salary calculator, or our net pay calculator to get a complete picture of your financial situation.

Trusted Sources & References

Our calculations are based on official rates and guidelines from these authoritative Kenyan government institutions:

Understanding Kenya Salary Deductions

PAYE Tax

Calculate your Pay As You Earn tax based on progressive KRA rates from 10% to 35%.

Tax Reliefs

Automatic calculation of personal relief and housing relief to reduce your tax burden.

Tax Optimization

Understand how to legally minimize your tax liability through available reliefs and deductions.

KRA Compliant

All calculations use official KRA tax rates and regulations for 2024/2025 tax year.

Frequently Asked Questions

How is income tax calculated in Kenya?

Income tax (PAYE) in Kenya is calculated using progressive tax brackets. Your taxable income (gross salary minus NSSF) is divided into brackets, each taxed at different rates from 10% to 35%. Personal relief of KES 2,400 and housing relief are then subtracted to get your final tax amount.

What is the tax-free threshold in Kenya?

With the personal relief of KES 2,400 per month, individuals earning below approximately KES 24,000 monthly pay minimal or no income tax. However, there is no official tax-free threshold - all income is taxable, but reliefs reduce the actual tax paid.

How can I reduce my tax in Kenya legally?

Legal tax reduction methods include: maximizing pension contributions (tax-deductible), claiming insurance relief (up to KES 5,000/month), mortgage interest relief for homeowners, and ensuring all entitled reliefs like personal relief and housing relief are applied.

When are taxes due in Kenya?

For employees, PAYE tax is deducted monthly by employers and remitted to KRA by the 9th of the following month. Self-employed individuals must file returns and pay taxes quarterly or annually depending on their income level.

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Understand your complete tax picture with our comprehensive tax calculator. Know your PAYE, reliefs, and net tax liability.