Net pay on a KSh 1,000,000 monthly salary in Kenya (2026)
On KSh 1,000,000 a month an employee in Kenya takes home KSh 658,280 after PAYE, NSSF, SHIF and the Housing Levy. Deductions before tax are KSh 48,980.00 and PAYE is KSh 292,740.35, which leaves KSh 658,279.65 a month.
PAYE is the KRA monthly bands applied to the same salary every month, on pay after the employee NSSF, SHIF and Housing Levy, less the personal relief. Allowances, bonuses and insurance relief are not included.
At KSh 1,000,000 a month NSSF is at its maximum: pay above the upper earnings limit of KSh 108,000 is not counted, so the employee pays KSh 6,480.00 (Tier I KSh 540.00 plus Tier II KSh 5,940.00) and it stops rising. SHIF is 2.75% of gross pay, KSh 27,500.00 a month, and the Housing Levy is 1.5%, KSh 15,000.00 a month. Neither has a ceiling.
Work out your own net payWhere the KSh 1,000,000 goes
| Per month unless stated | Amount |
|---|---|
| Gross monthly salary | KSh 1,000,000.00 |
| NSSF (employee) | -KSh 6,480.00 |
| SHIF (employee) | -KSh 27,500.00 |
| Housing Levy (employee) | -KSh 15,000.00 |
| Total deductions before tax | -KSh 48,980.00 |
| Taxable pay | KSh 951,020.00 |
| Tax before relief | KSh 295,140.35 |
| Personal relief | -KSh 2,400.00 |
| PAYE | -KSh 292,740.35 |
| Net pay for the month | KSh 658,279.65 |
| Net pay for 12 months | KSh 7,899,355.80 |
Assumes 12 equal monthly payments of basic salary, no allowances or bonus, and a full year with one employer. The employer pays its own NSSF and Housing Levy on top, which are not taken from your pay and are not in the table.
How the tax works out
Taxable pay after the three deductions is KSh 951,020.00, which falls in the 35% band that starts at KSh 800,000. The tax at the start of that band is KSh 242,283.35, plus 35% of the KSh 151,020.00 above it, gives KSh 295,140.35 before relief. The personal relief of KSh 2,400 brings PAYE to KSh 292,740.35.
Compare with nearby salaries
| Monthly salary | NSSF, SHIF, levy | PAYE | Net pay | Difference a month |
|---|---|---|---|---|
| KSh 900,000 | KSh 44,730.00 | KSh 259,227.85 | KSh 596,042.15 | -KSh 62,237.50 |
| KSh 1,000,000 (this page) | KSh 48,980.00 | KSh 292,740.35 | KSh 658,279.65 | - |
A rise of KSh 100,000 a month adds KSh 62,237.50 to net pay, so 62 cents of each extra shilling are kept.
Common questions
How much is KSh 1,000,000 a month after deductions in Kenya?
After NSSF of KSh 6,480.00, SHIF of KSh 27,500.00, the Housing Levy of KSh 15,000.00 and PAYE of KSh 292,740.35, net pay is KSh 658,279.65 a month.
Is PAYE taken on KSh 1,000,000 a month?
Yes. Taxable pay of KSh 951,020.00 is in the 35% band, and after the personal relief PAYE is KSh 292,740.35.
Are SHIF and the Housing Levy taken off before tax?
Yes. Since the Tax Laws (Amendment) Act, 2024 both are deducted from pay before PAYE is worked out, as the KRA PAYE page lists them. Employee NSSF is treated the same way as a pension contribution.
Other salaries
Net pay for every monthly salary, KSh 20,000 to KSh 1,000,000 · Take-home pay calculator · PAYE tax bands explained
Sources
- KRA: PAYE page, monthly bands, personal relief and allowed deductions
- NSSF: notice to employers, Year 4 contribution rates · Social Health Authority: SHIF premium rates
- Every rate used, with its source and check date: Sources and rates
This page shows figures calculated from the KRA, NSSF and Social Health Authority pages listed on the Sources page. It is general information only. Your payslip and your personal situation may differ. Rates as at 2 November 2026.