Financial Guides

Free, clear guides to help you navigate Kenya's financial landscape. Updated for 2026.

Person using mobile phone for financial transactions in Kenya

Best Loan Apps in Kenya 2026

Compare the best loan apps in Kenya by actual APR, not advertised rates. Includes Tala, Branch, Fuliza, M-Shwari, KCB M-Pesa, Zenka, and Hustler Fund.

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Financial documents and credit report on desk

CRB Clearance Kenya — Complete Guide 2026

Step-by-step guide to checking your CRB status, getting a clearance certificate, and improving your credit score in Kenya. Free and paid options explained.

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Mobile money transaction on smartphone

Fuliza Complete Guide — Charges, Limits & Alternatives

Everything about Fuliza: how it works, daily charges (1.083%), how to increase your limit, and cheaper alternatives. 33 million Kenyans use Fuliza — here's what you should know.

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Best SACCOs in Kenya 2026 — Complete Guide

Find the best SACCO to join in Kenya. Compare dividends (up to 20%), loan rates (10-14% p.a.), membership requirements, and features for 2026.

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Tax calculator and financial documents

PAYE Tax Rates Kenya 2026 — Complete Guide

Kenya PAYE tax rates for 2026 with updated NSSF Year 4 contributions, SHIF (replacing NHIF), and Housing Levy. Calculate your net salary with our free tool.

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Investment growth chart on screen

Money Market Funds Kenya — Beginner's Guide 2026

Learn how to invest in money market funds in Kenya. Compare yields (8-11%), minimum investments (from KES 100), and find the best MMF for your savings.

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Kenyan shilling banknotes and financial planning

How to Buy Treasury Bills in Kenya — Complete Guide

Step-by-step guide to buying Treasury Bills in Kenya. Current rates (7-8% p.a.), how to open a DhowCSD account, and T-bill vs MMF comparison.

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Payroll and salary calculation documents

NSSF Rates 2026 — What Changed & How It Affects Your Salary

NSSF Year 4 (Feb 2026): employee contribution 6% up to KES 108,000. Maximum deduction KES 6,480/month. Calculate the impact on your take-home pay.

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Healthcare and insurance documents

SHIF Rates Kenya 2026 — NHIF to SHA Transition Explained

SHIF replaced NHIF in October 2024. New rate: 2.75% of gross salary (no cap). Calculate your SHIF deduction and understand what changed.

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Residential housing in Kenya

Housing Levy Kenya — What You Need to Know

Kenya's Housing Levy is 1.5% of gross salary (employer matches). Calculate the impact on your pay and understand what the fund is for.

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