NSSF Calculator Kenya (2026 Rates)
Calculate your NSSF pension contribution in Kenya for free using the February 2026 Year 4 rates — Tier I and Tier II breakdown plus the employer match.
KSh 540.00
Tier I (first KSh 9,000)
KSh 2,460.00
Tier II (up to KSh 108,000)
KSh 3,000.00
Your deduction (6%)
KSh 6,000.00
Total saved (employer matches)
Your employer contributes an equal KSh 3,000.00, so KSh 6,000.00 goes into your pension each month. The maximum employee contribution is KSh 6,480.00 (on salaries of KSh 108,000 and above).
Rates as of July 2026: PAYE bands per Finance Act 2023, NSSF Year 4 limits (Feb 2026), SHIF 2.75% (min KSh 300), Housing Levy 1.5%. Estimates only — confirm with KRA or your payroll.
Frequently asked questions
- What are the NSSF rates for 2026?
- From February 2026 (Year 4 of the NSSF Act 2013): 6% of pay up to KSh 108,000/month, split into Tier I (first KSh 9,000, max KSh 540) and Tier II (KSh 9,001–108,000, max KSh 5,940). Your employer matches your contribution shilling for shilling.
- What is the maximum NSSF deduction?
- KSh 6,480 per month for employees earning KSh 108,000 or more — matched by the employer for a total of KSh 12,960 into your pension.