Net Salary Calculator Kenya
Enter your gross salary and other details below to see a full breakdown of your monthly take-home pay.
Your Salary Breakdown
Net Salary Calculator Kenya – Calculate Your Take-Home Pay Instantly (Updated for 2025)
Understanding your net salary—also known as take-home pay—is essential for every employee in Kenya. With new statutory changes such as the updated PAYE tax brackets, revised NSSF Tier I & Tier II contributions, the transition from NHIF to SHIF, and the mandatory housing levy, it has become more complicated to manually calculate your actual earnings after deductions.
Our Net Salary Calculator Kenya gives you an instant and accurate breakdown of your take-home pay, showing exactly how much money you receive after all statutory deductions. Whether you’re comparing job offers, confirming your payroll, or planning personal finances, this tool provides a clear and transparent breakdown based on the latest 2025 tax regulations in Kenya.
What Is Net Salary in Kenya?
Net salary is the actual amount you receive in your bank account each month after all mandatory deductions are removed from your gross salary. These deductions include:
- PAYE (Pay As You Earn)
- NSSF Tier I & Tier II pension contributions
- SHIF (Social Health Insurance Fund)
- Housing Levy (1.5%)
- Applicable tax reliefs
Once these statutory deductions are applied to your gross salary, the remaining amount becomes your net salary, also known as take-home pay.
What This Net Salary Calculator Includes
This calculator is built to automatically compute all mandatory deductions that affect take-home pay in Kenya:
1. PAYE Tax (Kenya’s Income Tax)
The calculator applies the official 2025 PAYE tax bands, personal relief, and marginal tax rates to compute your accurate PAYE deduction.
2. NSSF Contributions (Tier I & Tier II)
Under the updated NSSF Act, contributions are deducted based on the Lower and Upper Earnings Limits. The calculator instantly applies the correct rates.
3. SHIF Deduction (Replaces NHIF)
Kenya has introduced the SHIF system, which now calculates health insurance contributions using a percentage-based model. The calculator uses the new SHIF formula.
4. Housing Levy (1.5%)
The mandatory housing levy is automatically added to your statutory deductions.
5. Net Salary Summary
You’ll get a complete and transparent salary breakdown showing: Gross salary, PAYE, NSSF, SHIF, Housing levy, Total deductions, and Final Net Salary (Take-Home Pay).
Why Use Our Net Salary Calculator?
- Accurate & Updated for 2025 Tax Rates: All statutory deductions are based on Kenya’s most recent regulations, ensuring reliable results.
- Instant Take-Home Pay Breakdown: Just enter your gross salary and get a full payslip-style breakdown immediately.
- Perfect for Job Seekers, HR, and Employees: Whether you're reviewing an offer, preparing monthly payroll, or double-checking your payslip, this tool gives you clarity.
- Mobile-Friendly and Fast: Optimized for Kenyan users searching from mobile devices.
- Easy to Understand: Every deduction is clearly itemized to help you understand exactly where your money goes.
Who Should Use This Calculator?
This Net Salary Calculator Kenya is useful for:
- Employees confirming their salary
- Job seekers comparing take-home pay across offers
- HR and payroll teams preparing salary structures
- Freelancers transitioning to employment
- Students learning about taxation in Kenya
- Employers planning budgets or salary reviews
Benefits of Knowing Your Net Salary
Knowing your take-home pay helps with:
- Personal budgeting
- Loan qualification planning
- Tracking statutory deductions
- Negotiating salary offers
- Avoiding payroll errors
- Retirement planning
Whatever your goal, this calculator gives you a clear picture of your real earnings.
FAQs – Net Salary Calculator Kenya
What is net salary in Kenya?
Net salary is the amount you take home after all statutory deductions—PAYE, NSSF, SHIF, and Housing Levy—are subtracted from your gross salary.
How is net salary calculated in Kenya?
Net salary is calculated by subtracting PAYE, NSSF Tier I & II contributions, SHIF deductions, the housing levy, and any other mandatory deductions from your gross salary.
What deductions does this net salary calculator include?
The calculator includes: PAYE, NSSF Tier I & Tier II, SHIF (formerly NHIF), Housing Levy (1.5%), and Personal relief. All based on the latest Kenyan tax regulations.
Has NHIF been replaced in Kenya?
Yes. NHIF was replaced by SHIF (Social Health Insurance Fund). Contributions are now based on a new percentage-based model tied to your income.
Does the calculator include SHIF deductions?
Yes. The calculator uses the updated SHIF model instead of the old NHIF rates.
Does this calculator work for all salary levels?
Yes. It supports all income levels and applies the correct PAYE tax bands, NSSF tiers, and SHIF contributions for every salary range.
Do allowances affect net salary in Kenya?
Yes. Allowances (housing, commuter, hardship, etc.) are added to your gross salary, increasing your taxable income and affecting your PAYE and final net salary.
Why is my take-home pay lower than expected?
Your net salary may be lower due to higher PAYE, updated SHIF rates, NSSF Tier II deductions, or the mandatory 1.5% housing levy. This calculator helps you understand each deduction clearly.
Can I use this calculator for job offer comparisons?
Absolutely. The tool is ideal for comparing gross vs net salary for different job offers and understanding how much you’ll actually take home.
Is the 2025 Kenyan tax system included in this calculator?
Yes. The calculator uses the latest 2025 PAYE brackets, SHIF contributions, NSSF rates, and housing levy rules.