M-PESA Cost & Savings Calculator

See how much it costs to send and withdraw with M-PESA, estimate M-Shwari & KCB M-PESA loans, and track daily interest on Ziidi Invest.

1. M-PESA Send & Withdraw Charges

Enter the amount you want to send or withdraw. We’ll show charges to registered users, unregistered numbers, agents and ATMs – plus the minimum balance you need.

Please enter a valid amount between 1 and 250,000.
2. M-Shwari 30-Day Loan

Estimate how much you’ll repay on an M-Shwari loan at 7.5% for 30 days, plus excise duty.

We’ll add 30 days to estimate the due date.
Please enter a valid loan amount and date.
3. KCB M-PESA 30-Day Loan

Estimate repayment on a KCB M-PESA loan at 9.06% for 30 days.

Please enter a valid loan amount and date.
4. Ziidi Invest & Save

See your daily interest on Ziidi Invest based on your balance and annual net rate. We automatically use the correct number of days in the current year (365 or 366).

Current example net rate is 6.39% p.a. You can change this.
Please enter a valid balance and annual rate.

M-PESA Costs & Savings Summary

M-PESA Send & Withdraw
Amount (KES)
KES 0.00
Send to registered M-PESA user
KES 0.00
Send to unregistered / other network
KES 0.00
Withdraw at agent
KES 0.00
Max cash from agent after fee
KES 0.00
Withdraw at ATM
KES 0.00
Max cash from ATM after fee
KES 0.00
Minimum balance to send (registered)
KES 0.00
Min balance to send & withdraw
KES 0.00
Suggested amount incl. agent fee
KES 0.00

Figures are based on current M-PESA tariff tiers. Always confirm with your SIM Toolkit or M-PESA app before sending large amounts.

M-Shwari Loan
Total repayment (KES)
KES 0.00
Interest (7.5%)
KES 0.00
Excise duty on interest (15%)
KES 0.00
Net amount deposited
KES 0.00
Due date
–

This is a simple estimate for a 30-day M-Shwari loan at 7.5% plus 15% excise duty on the interest.

KCB M-PESA Loan
Total repayment (KES)
KES 0.00
Interest (9.06%)
KES 0.00
Due date
–

KCB M-PESA loan estimate for 30 days at 9.06% fee. Check your M-PESA / KCB M-PESA menu for official charges.

Ziidi Invest & Save
Daily interest (KES)
KES 0.00
Estimated monthly interest (30 days)
KES 0.00
Estimated annual interest
KES 0.00

Based on your balance, net annual rate and the number of days in the current year. Actual returns may differ slightly.

Email Me These Results

We’ll send a simple summary of the latest calculation (M-PESA, M-Shwari, KCB M-PESA or Ziidi) to your email.

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