M-Shwari Loan Calculator Kenya 2025

Calculate your 30-day M-Shwari loan and quickly compare with Tala (up to 61 days), KCB M-PESA and Timiza. Enter your loan amount, date and tap “Calculate”.

M-Shwari: 30-day loan with a one-off facility fee and 20% excise duty on the facility fee (excise deducted upfront).

Please enter a valid M-Shwari loan amount and date.

Tala: Choose number of days (1–61). Interest is charged daily based on the daily rate you enter.

Minimum 1 day, maximum 61 days.
Default 0.6% per day. Adjust to Tala’s rate on your account (often 0.3–0.6%).
Please enter loan amount, date, days (1–61) and daily rate.

KCB M-PESA: 30-day loan with a flat facility fee of 9.06% on the amount borrowed.

Please enter a valid KCB M-PESA loan amount and date.

Timiza: 30-day loan with 8% access fee and 20% excise on the access fee (excise deducted upfront).

Please enter a valid Timiza loan amount and date.

Loan Results

M-Shwari Loan (30 Days)
Amount borrowed
KES 0.00
Facility fee
KES 0.00
Excise on facility fee (20%)
KES 0.00
Total repayable
KES 0.00
Amount you receive (after excise)
KES 0.00
Due date
—
Effective fee rate (%)
0.0%

Total fees = facility fee + excise on the facility fee. Effective fee rate = total fees ÷ amount borrowed.

Email Me This Loan Summary

We’ll send a simple summary of your loan calculation (M-Shwari, Tala, KCB M-PESA or Timiza) to your email.