Financial Guides
Kenya Finance Blog
Plain-English guides on tax, loans, business registration and personal finance — written specifically for Kenyans.
How to Send Money from M-Pesa to Absa Account Kenya 2026
Step-by-step guide to sending money from M-Pesa to your Absa Bank account in Kenya. Covers Paybill number, charges, transfer limits and how long it takes.
How to Send Money from M-Pesa to Stanbic Bank Kenya 2026
Complete guide to transferring money from M-Pesa to Stanbic Bank Kenya. Paybill number, charges, transfer limits and step-by-step instructions.
SHIF Calculator Kenya 2026 — Calculate Your Social Health Insurance Contribution
Calculate your exact SHIF (Social Health Insurance Fund) deduction for 2026. Replaces NHIF at 2.75% of gross salary. Includes worked examples and comparison with old NHIF rates.
Top 10 Best SACCOs in Kenya 2026 — Ranked by Dividends and Returns
The definitive ranking of Kenya's best SACCOs in 2026 by dividend rate, loan interest, and membership benefits. Compare Stima, Mwalimu, Kenya Police, Imarika and more.
HELB Loan Repayment 2026 — How Much You Pay Monthly and How to Clear It Faster
Complete guide to HELB loan repayment in Kenya 2026. Monthly repayment amounts, interest rates, how deductions work on your payslip, and how to pay off your HELB loan faster.
Housing Levy Kenya 2026 — Who Pays, How Much, and What It Funds
Everything Kenyan employees and employers need to know about the Affordable Housing Levy in 2026. Rates, deductions, legal basis, and what the money actually funds.
How to Increase Your M-Shwari Loan Limit in Kenya 2026 — 7 Proven Steps
Your M-Shwari loan limit is not fixed. Learn 7 proven ways to increase your M-Shwari limit from KES 100 to KES 50,000 using your M-Pesa activity and financial behaviour.
Best SACCOs in Kenya 2026 — Rates, Dividends and How to Join
Compare the best SACCOs in Kenya for 2026. Includes deposit interest rates, loan rates, dividends, and how to join Stima, Mwalimu, Kenya Police, Imarika and more.
How to Save Money in Kenya 2026 — 10 Practical Strategies That Work
Practical money-saving strategies for Kenyans in 2026. From M-Pesa lock savings to SACCOs, government bonds, and budgeting methods that work on a Kenyan salary.
How to Send Money from M-Pesa to Bank Account in Kenya 2026
Step-by-step guide to sending money from M-Pesa to any Kenyan bank account in 2026. Covers all major banks, charges, limits, and how to reverse a wrong transaction.
NHIF to SHIF Kenya — Everything That Changed in 2026
NHIF has been replaced by SHIF (Social Health Insurance Fund) in Kenya. This guide explains what changed, the new 2.75% rate, and what it means for your payslip.
VAT Registration in Kenya 2026 — When to Register and How
A complete guide to VAT registration for Kenyan businesses in 2026. Covers the KES 5 million threshold, how to register on iTax, VAT filing obligations, and penalties.
Average Salaries in Kenya by Profession 2026 — Complete Guide
Find out what professionals earn in Kenya in 2026. Average salaries for software developers, nurses, teachers, accountants, engineers and more — with verified net pay calculations.
Best Mobile Loans in Kenya 2026 — Rates, Limits & Honest Comparison
Compare the best mobile loans in Kenya for 2026. M-Shwari, Fuliza, KCB M-Pesa, Tala, Branch and more — with real interest rates and total repayment costs.
How to File KRA Tax Returns on iTax Kenya 2026 — Step by Step
A complete guide to filing your KRA income tax returns on iTax for 2026. Covers employed individuals, self-employed, and nil returns. Avoid penalties with this step-by-step walkthrough.
How to Register a Business in Kenya 2026 — Complete Step by Step Guide
Learn exactly how to register a business in Kenya in 2026. Covers sole proprietorship, limited company, and partnership registration with eCitizen and the Business Registration Service.
Kenya PAYE Tax Explained 2026 — How Your Salary is Calculated
A plain-English guide to how PAYE tax is calculated in Kenya. Includes 2026 SHIF, NSSF Phase 4, Housing Levy rates and worked examples.