M-PESA Charges Calculator Kenya (Apr 2026)

Instantly check M-PESA sending charges, withdrawal fees (agent & ATM), minimum balance needed, and how much to put in your wallet so someone receives exactly the amount you intend. Also includes M-Shwari, KCB M-PESA loan estimates and Ziidi Invest daily interest.

Enter the amount you want to send. We show the fee and how much the recipient gets.

500 1,000 2,000 5,000 10,000 20,000 50,000
Please enter a valid amount between 1 and 250,000.
M-Shwari 30-Day Loan Estimate

Estimate repayment on an M-Shwari loan at 7.5% for 30 days, plus excise duty on the interest. Excise is deducted from your disbursement upfront.

1,000 5,000 10,000 50,000
We add 30 days to show your due date.
Please enter a valid loan amount and date.
KCB M-PESA 30-Day Loan Estimate

Estimate repayment on a KCB M-PESA loan at 9.06% for 30 days. You receive the full loan amount — no excise deduction upfront.

1,000 5,000 10,000 50,000
Please enter a valid loan amount and date.
Ziidi Invest Daily Interest

See your daily, monthly (30 days) and annual interest estimate. Days in year (365/366) are set automatically based on the current year.

10,000 50,000 100,000 500,000
Default 6.39% p.a. — edit if your rate differs.
Please enter a valid balance and annual rate.

Results

Send & Withdraw Charges
Amount
KES 0.00
Minimum wallet balance needed
KES 0.00
to send this amount
Send to registered M-PESA (fee)
KES 0.00
Send to unregistered / other network (fee)
KES 0.00
Agent withdrawal fee
KES 0.00
Cash received at agent
KES 0.00
after agent fee deducted
ATM withdrawal fee
KES 0.00
Cash received at ATM
KES 0.00
after ATM fee deducted

Full breakdown

You are sending KES 0.00
Sending fee (registered) KES 0.00
= Wallet balance needed KES 0.00
Agent withdrawal fee (if you withdrew this) KES 0.00
Cash in hand at agent KES 0.00
ATM withdrawal fee (if you withdrew this) KES 0.00
Cash in hand at ATM KES 0.00

Figures follow published M-PESA tariff tiers. Always confirm on SIM Toolkit or M-PESA app before large transfers.

M-Shwari Loan Summary
Total Repayment
KES 0.00
due in 30 days
Amount Credited to M-PESA
KES 0.00
after excise deducted upfront
Interest (7.5%)
KES 0.00
Excise Duty on Interest
KES 0.00
Due Date (30 days)
—
—

Step-by-step breakdown

Loan principal KES 0.00
Interest (7.5% of principal) KES 0.00
Excise duty on interest (deducted upfront) KES 0.00
Amount credited to your M-PESA KES 0.00
= Total you must repay in 30 days KES 0.00

M-Shwari estimate: 7.5% facility fee for 30 days plus excise duty on interest. Confirm exact terms on your M-PESA menu.

KCB M-PESA Loan Summary
Total Repayment
KES 0.00
due in 30 days
Amount You Receive
KES 0.00
full amount — no upfront deduction
Facility Fee (9.06%)
KES 0.00
Due Date (30 days)
—
—

Step-by-step breakdown

Loan principal KES 0.00
Facility fee (9.06% of principal) KES 0.00
= Total repayable in 30 days KES 0.00

KCB M-PESA disbursement is the full loan amount — no excise deducted upfront, unlike M-Shwari.

Ziidi Invest Interest
Daily Interest
KES 0.00
based on — days/year
Monthly Interest (30 days)
KES 0.00
Annual Interest
KES 0.00
Balance + Annual Interest
KES 0.00

Calculation breakdown

Balance invested KES 0.00
Net annual rate 0.00%
Days in year (auto) 365
Daily interest KES 0.00
Monthly (30 days) KES 0.00
Annual interest KES 0.00

Based on balance × net annual rate. Actual Ziidi returns may vary. Tax is not deducted in this estimate.

M-PESA at a glance
Max single send: KES 250,000  |  Max agent withdraw: KES 150,000  |  Max ATM withdraw: KES 20,000 (per transaction)
M-PESA to M-PESA (registered): free for amounts up to KES 100  |  Always verify charges on SIM Toolkit or M-PESA app before large transactions