Mshwari Calculator 2026 (Mar 2026)

Use this Mshwari Loan Calculator to estimate fees, excise duty, amount you receive, total repayable and due date (30 days). You can also compare Tala, KCB M-PESA and Timiza.

Mshwari (30 days): Facility fee + 20% excise on the facility fee (excise is deducted upfront).

1,000 5,000 10,000 50,000
Tip: choose today’s date to see the due date.
Please enter a valid Mshwari loan amount and date.

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

1,000 5,000 10,000 50,000
Minimum 1 day, maximum 61 days.
Set the rate based on your Tala offer. Default 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.

1,000 5,000 10,000 50,000
Please enter a valid KCB M-PESA loan amount and date.

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

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

Compare All: Enter one amount + date and we’ll show Mshwari, Tala, KCB M-PESA and Timiza side-by-side.

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

Loan Results

Mshwari Loan (30 Days)
Total repayable
KES 0.00
Amount you receive (after excise)
KES 0.00
Total fees (facility + excise)
KES 0.00
Facility fee
KES 0.00
Excise duty (20% of facility fee)
KES 0.00
Due date
—
Effective fee rate (%)
0.0%

This Mshwari calculator estimates facility fee + excise and shows your due date (30 days).

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We’ll send a simple summary of your loan calculation to your email.