What is the net pay on a gross salary of KSh 15,000 in Kenya?

Take-home pay is KSh 13,462 a month, after PAYE of KSh 0, NSSF KSh 900, SHIF KSh 413 and the housing levy KSh 225.

How much PAYE is deducted from KSh 15,000?

PAYE is KSh 0. Tax across the bands comes to KSh 1,346, then the personal relief of KSh 2,400 is subtracted from the tax itself.

Net pay

KSh 15,000 gross is KSh 13,462 in your hand

You keep 89.7% of it. Deductions total KSh 1,538 a month.

PAYE

KSh 0

NSSF

KSh 900

SHIF

KSh 413

Housing levy

KSh 225

The full working

Gross payKSh 15,000
Less NSSF (Tier I KSh 540 + Tier II KSh 360)−KSh 900
Less SHIF (2.75%)−KSh 413
Less housing levy (1.5%)−KSh 225
Taxable payKSh 13,462
10% on KSh 1–KSh 24,000 (KSh 13,462)KSh 1,346
Tax across the bandsKSh 1,346
Less personal relief−KSh 2,400
PAYEKSh 0
Net payKSh 13,462

Note the order. Statutory deductions come off first to reach taxable pay. The bands then apply to that figure. Personal relief comes off the tax, not off the income — a distinction that trips up most manual calculations.

Other salaries

Assumes a resident employee with no pension contribution, mortgage interest or insurance relief, and no HELB, SACCO or salary advance deductions. NSSF uses the Year 4 rates effective February 2026, with an upper earnings limit of KSh 108,000. Your payslip may differ if your employer structures allowances differently.

Bands from the Income Tax Act Cap 470 as amended by the Finance Act 2023 · SHIF, NSSF and housing levy rates current as of September 2026

All salaries