Mshwari Calculator 2026 (May 2026)

Calculate Mshwari facility fee, excise duty, amount you receive and total repayable in 30 days. Compare with Tala, KCB M-PESA and Timiza.

Mshwari (30 days): 7.5% facility fee. Excise duty (20% of facility fee) is deducted from the amount you receive upfront. You repay principal + facility fee only.

1,000 2,000 5,000 10,000 50,000
Select today's date to see your exact due date.
Please enter a valid loan amount and date.

Tala (1–61 days): Daily interest rate × days. Interest compounds on each day of the loan term.

1,000 5,000 10,000 50,000
Minimum 1 day, maximum 61 days.
Tala's rate varies by offer: typically 0.3%–0.6% per day. Default 0.6%.
Please enter a valid amount, date, days (1–61) and daily rate.

KCB M-PESA (30 days): Flat facility fee of 9.06% on the loan amount. No excise deduction upfront — you receive the full amount.

1,000 5,000 10,000 50,000
Please enter a valid loan amount and date.

Timiza (30 days): 8.75% access fee. Excise duty (20% of access fee) is deducted from the disbursed amount upfront. You repay principal + access fee.

1,000 5,000 10,000 50,000
Please enter a valid loan amount and date.

Enter one amount and date to compare all four lenders side by side — full repayable amounts, fees, and due dates.

1,000 5,000 10,000 50,000
Please enter a valid amount, date and Tala rate.

Loan Results

Mshwari Loan (30 Days)
Total Repayable
KES 0.00
Principal + facility fee
Amount You Receive
KES 0.00
Loan minus excise deducted upfront
Facility Fee (7.5%)
KES 0.00
Excise Duty (20% of fee)
KES 0.00
Deducted from your disbursement
Total Cost (Fee + Excise)
KES 0.00
Daily cost: —
Due Date (30 days)
—
—

Step-by-step breakdown

Loan principal KES 0.00
Facility fee (7.5% of principal) KES 0.00
Excise duty (20% of facility fee) KES 0.00
Amount credited to M-PESA KES 0.00
Total you must repay by due date KES 0.00

💡 Borrower Tips

📅 Repay before the due date to avoid late fees. Mshwari can extend once but at additional cost.
⚠️ Failure to repay can lead to CRB (Credit Reference Bureau) listing — this blocks you from future mobile and bank loans.
💰 The effective annual rate (EAR) for Mshwari is approximately 108% per year when compounded monthly. Only borrow what you can repay within 30 days.
Mobile loan rates at a glance
Mshwari: 7.5% + 20% excise (30 days)  |  KCB M-PESA: 9.06% (30 days)
Timiza: 8.75% + 20% excise (30 days)  |  Tala: ~0.3–0.6%/day (1–61 days)
CRB listing may result from any default — check your credit status at creditinfo.co.ke