A free toolkit of 29+ calculators for Kenyan tax, loans, budgeting and business finance — all running in your browser.

Are the tax tools KRA-compliant?

They use current PAYE bands, SHIF, NSSF, housing levy and 16% VAT from our configurable tax engine.

No. Calculations stay on your device. We do not require registration or collect your inputs.

Who is PesaTools for?

Anyone in Kenya — employees, HR teams, accountants, lenders and small business owners who need quick figures.

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Personal Loan Calculator

Calculate monthly payments, total interest, and repayment schedules.

Loan Details

Loan Amount

KES

Interest Rate

Loan Term

months

Interest Type

Monthly Payment

Ksh 17,089

Total Interest

Ksh 115,197

Total Repayment

Ksh 615,197

Interest vs Principal

Repayment Schedule

Month	Payment	Principal	Interest	Balance
1	Ksh 17,089	Ksh 11,255	Ksh 5,833	Ksh 488,745
2	Ksh 17,089	Ksh 11,387	Ksh 5,702	Ksh 477,358
3	Ksh 17,089	Ksh 11,520	Ksh 5,569	Ksh 465,838
4	Ksh 17,089	Ksh 11,654	Ksh 5,435	Ksh 454,184
5	Ksh 17,089	Ksh 11,790	Ksh 5,299	Ksh 442,394
6	Ksh 17,089	Ksh 11,928	Ksh 5,161	Ksh 430,466
7	Ksh 17,089	Ksh 12,067	Ksh 5,022	Ksh 418,400
8	Ksh 17,089	Ksh 12,207	Ksh 4,881	Ksh 406,192
9	Ksh 17,089	Ksh 12,350	Ksh 4,739	Ksh 393,842
10	Ksh 17,089	Ksh 12,494	Ksh 4,595	Ksh 381,348
11	Ksh 17,089	Ksh 12,640	Ksh 4,449	Ksh 368,709
12	Ksh 17,089	Ksh 12,787	Ksh 4,302	Ksh 355,921
13	Ksh 17,089	Ksh 12,936	Ksh 4,152	Ksh 342,985
14	Ksh 17,089	Ksh 13,087	Ksh 4,001	Ksh 329,898
15	Ksh 17,089	Ksh 13,240	Ksh 3,849	Ksh 316,658
16	Ksh 17,089	Ksh 13,394	Ksh 3,694	Ksh 303,263
17	Ksh 17,089	Ksh 13,551	Ksh 3,538	Ksh 289,712
18	Ksh 17,089	Ksh 13,709	Ksh 3,380	Ksh 276,004
19	Ksh 17,089	Ksh 13,869	Ksh 3,220	Ksh 262,135
20	Ksh 17,089	Ksh 14,031	Ksh 3,058	Ksh 248,104
21	Ksh 17,089	Ksh 14,194	Ksh 2,895	Ksh 233,910
22	Ksh 17,089	Ksh 14,360	Ksh 2,729	Ksh 219,550
23	Ksh 17,089	Ksh 14,527	Ksh 2,561	Ksh 205,023
24	Ksh 17,089	Ksh 14,697	Ksh 2,392	Ksh 190,326
25	Ksh 17,089	Ksh 14,868	Ksh 2,220	Ksh 175,458
26	Ksh 17,089	Ksh 15,042	Ksh 2,047	Ksh 160,416
27	Ksh 17,089	Ksh 15,217	Ksh 1,872	Ksh 145,198
28	Ksh 17,089	Ksh 15,395	Ksh 1,694	Ksh 129,804
29	Ksh 17,089	Ksh 15,574	Ksh 1,514	Ksh 114,229
30	Ksh 17,089	Ksh 15,756	Ksh 1,333	Ksh 98,473
31	Ksh 17,089	Ksh 15,940	Ksh 1,149	Ksh 82,533
32	Ksh 17,089	Ksh 16,126	Ksh 963	Ksh 66,407
33	Ksh 17,089	Ksh 16,314	Ksh 775	Ksh 50,093
34	Ksh 17,089	Ksh 16,504	Ksh 584	Ksh 33,589
35	Ksh 17,089	Ksh 16,697	Ksh 392	Ksh 16,892
36	Ksh 17,089	Ksh 16,892	Ksh 197	Ksh 0

Frequently Asked Questions

Is the Personal Loan Calculator free?+

Yes. All calculations run in your browser. No sign-up and no data is stored on our servers.

Does this work for Kenya?+

PesaTools is built for Kenyan rules and common financial formulas. Treat results as estimates, not official advice.

Do I need an account?+

No account is needed. Open the tool, enter your numbers and view results immediately.