Free tools
Money calculators
Quick answers to everyday money questions: what you'll take home, what a transfer costs and how much your savings will earn, using each country's current rates.
Need more than a calculator?
See all →Kenya
- Perimeter wall costStones, cement, steel and labour for your plot, with a full bill of quantities.Open calculator →
- Kenya PAYE & net payWork out your take-home pay in Kenya: PAYE, NSSF, SHIF and the housing levy on any gross salary, using the rates in force in 2026.Open calculator →
- M-Pesa chargesM-Pesa charges 2026: sending KES 1,000 costs KES 13 and withdrawing KES 5,000 costs KES 69. Enter any amount for Safaricom's current send and withdraw fees.Open calculator →
- PesaLink charges by bankPick your bank and amount to see what PesaLink charges, and compare KCB, Equity, Co-op, NCBA, Absa, I&M and every other Kenyan bank.Open calculator →
- Poultry business plan builderBuild a bank-ready poultry business plan for layers or broilers with your own numbers: Word plan, Excel with live formulas and PDF, from 2026 Kenyan prices.Open calculator →
- Chama constitution templateMake your chama's constitution, founding-meeting minutes and Excel record book from your own rules, covering everything the Community Groups Registration Act requires.Open calculator →
- M-Pesa statement analyzerOpen your M-Pesa statement PDF on your phone and see your real income and spending, what M-Pesa charges and Fuliza cost you, possible tax reliefs and an eTIMS checklist. Nothing is uploaded.Open calculator →
- House construction cost calculatorPhotograph your house plan or start from a typical 2, 3 or 4-bedroom bungalow, and see what it costs to build in Kenya phase by phase, from foundation to roof to finishes, with a full bill of quantities.Open calculator →
- Tenancy agreement templateMake a tenancy (rental) agreement for a house or flat in Kenya with your rent, deposit, bills and notice period filled in, ready to print and sign.Open calculator →
- Car sale agreementMake a motor vehicle sale agreement for Kenya with the car's details, price, deposit and NTSA transfer filled in, ready to print and sign.Open calculator →
- Land sale agreementMake an agreement for the sale of land in Kenya with the title, price, deposit, completion, Land Control Board consent and spouse's consent filled in.Open calculator →
- House help salary and payslipWork out a house help's take-home pay after NSSF, SHIF, housing levy and PAYE, what they cost you, and get an Employment Act contract and a year of payslips.Open calculator →
- Car import dutySearch 5,000+ models on KRA's July 2025 CRSP list and see the import duty, excise, VAT, IDF and railway levy on a used car.Open calculator →
- Kenya SACCO dividendsWork out what your SACCO shares and deposits pay out, before and after tax, and compare FY2025 dividend and interest rates from 12 large Kenyan SACCOs.Open calculator →
- Kenya money market fund returnsSee what KES 50,000 (or any amount) earns in Kenya's money market funds, using each fund's own latest published rate.Open calculator →
- Kenya NSSF contributionsWork out your NSSF Tier I and Tier II deductions for 2026, and what your employer pays to match you.Open calculator →
- Kenya mortgage & home loan repaymentsSee your monthly mortgage repayment and total interest at Kenya's current bank rates, and compare it with the cheaper KMRC affordable-housing rate.Open calculator →
Nigeria
Anywhere in Africa
- Poultry feed formulatorTick the ingredients you have and get the cheapest balanced layers mash, chick mash, growers or broiler feed, checked against published nutrient standards.Open calculator →
- Dairy meal formulatorTick what you have (maize germ, pollard, cotton seed cake, sunflower and more) and get the cheapest dairy meal, high-yielder meal or calf starter that meets the standard.Open calculator →
- Pig feed formulatorTick the ingredients you have and get the cheapest balanced creep, weaner, grower, finisher or sow feed, checked against NRC nutrient requirements.Open calculator →
- Compound interestSee how a lump sum and monthly top-ups grow with compound interest over any number of years, with optional tax on earnings.Open calculator →
South Africa
- South Africa PAYE & net payWork out your PAYE and UIF deductions and see your take-home pay in South Africa, using SARS's tax tables for the 2026/27 tax year.Open calculator →
- South Africa personal loan repaymentsSee your monthly repayment on an unsecured personal loan in South Africa, the National Credit Act's maximum interest rate, and the fees lenders can legally add.Open calculator →
- South Africa home loan & bond repaymentsWork out your monthly bond repayment at South Africa's current prime rate, see the total interest over the loan, and what the NCA-capped initiation fee and bond costs add on top.Open calculator →
Zimbabwe
Zambia
Botswana
Lesotho
Ghana
- Ghana MoMo chargesMTN MoMo cash-out costs 2026: GH₵1,000 costs GH₵10, GH₵5,000 costs a flat GH₵20. Enter any amount for MTN's current fees.Open calculator →
- Ghana PAYE & net payWork out your monthly PAYE, SSNIT deduction and take-home pay under the Ghana Revenue Authority's 2026 PAYE bands.Open calculator →
Tanzania
- Tanzania PAYE & net payWork out your monthly PAYE, NSSF deduction and net salary under TRA's current Tanzania tax bands.Open calculator →
- Tanzania mobile money chargesSee what Vodacom M-Pesa and Mixx by Yas actually charge to send money or cash out in Tanzania, including the government levy on withdrawals.Open calculator →
Uganda
- Uganda MTN & Airtel mobile money feesSee what MTN Mobile Money and Airtel Money charge to send or withdraw any amount in Uganda, including the 0.5% government tax on cash-outs, checked October 2026.Open calculator →
- Uganda PAYE & net payWork out your monthly PAYE, NSSF deduction and net salary under URA's current Uganda tax bands.Open calculator →