What is the net pay on a gross salary of KSh 20,000 in Kenya?

Take-home pay is KSh 17,950 a month, after PAYE of KSh 0, NSSF KSh 1,200, SHIF KSh 550 and the housing levy KSh 300.

How much PAYE is deducted from KSh 20,000?

PAYE is KSh 0. Tax across the bands comes to KSh 1,795, then the personal relief of KSh 2,400 is subtracted from the tax itself.

Net pay

KSh 20,000 gross is KSh 17,950 in your hand

You keep 89.8% of it. Deductions total KSh 2,050 a month.

PAYE

KSh 0

NSSF

KSh 1,200

SHIF

KSh 550

Housing levy

KSh 300

The full working

Gross payKSh 20,000
Less NSSF (Tier I KSh 540 + Tier II KSh 660)−KSh 1,200
Less SHIF (2.75%)−KSh 550
Less housing levy (1.5%)−KSh 300
Taxable payKSh 17,950
10% on KSh 1–KSh 24,000 (KSh 17,950)KSh 1,795
Tax across the bandsKSh 1,795
Less personal relief−KSh 2,400
PAYEKSh 0
Net payKSh 17,950

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