💼 Payslip Analyzer & Borrowing Power Calculator
Enter your salary details to see your true borrowing power based on Kenya's 1/3rd rule. Banks won't approve loans if payments exceed 33% of your net income.
Enter Your Details
Include all check-off loans, car loans, mortgages
Insurance, union fees, etc.
📋 Your Payslip Breakdown
↑ Earnings
Gross SalaryKsh 80,000
↓ Statutory Deductions
PAYE Tax-Ksh 16,383
NHIF-Ksh 1,500
NSSF-Ksh 2,160
Housing Levy-Ksh 1,200
Total Statutory-Ksh 21,243
Net Salary (Take Home)
After all deductions
Ksh 58,757
💪 Your Borrowing Power
📏
The 1/3rd Rule
Kenyan banks require that your total loan repayments don't exceed 1/3 (33%) of your net salary. This protects you from over-borrowing.
Max Monthly Payment
Ksh 19,586
1/3 of net salary
Already Committed
Ksh 0
Existing loan payments
Available for New Loan
Ksh 19,586
Max new payment/month
How Much Can You Borrow?
| Loan Type | Rate | Tenure | Max Amount |
|---|---|---|---|
| SACCO (1 year) | 13% p.a. | 12 months | Ksh 219,286 |
| SACCO (4 years) | 13% p.a. | 48 months | Ksh 730,072 |
| Bank Payroll (1 year) | 16% p.a. | 12 months | Ksh 215,869 |
| Bank Payroll (4 years) | 16% p.a. | 48 months | Ksh 691,101 |
| Personal Loan (1 year) | 18% p.a. | 12 months | Ksh 213,634 |
| Personal Loan (5 years) | 18% p.a. | 60 months | Ksh 771,302 |
* Based on your available monthly payment of Ksh 19,586
📝 Personalized Recommendations
✅ You Have Borrowing Room
You can afford up to Ksh 19,586/month in new loan payments. For the best rates, consider SACCO or bank payroll loans.