Timiza Calculator Kenya – May 2026

Calculate your Timiza loan: 8.75% access fee + 20% excise duty on the access fee. See exactly how much you receive, what you repay after 30 days, and compare with M-Shwari, KCB M-PESA and Tala.

Timiza (30 days): Access fee is 8.75% of the loan amount. Excise duty is 20% of the access fee — deducted upfront from your disbursement. You repay the full principal + access fee.

1,000 5,000 10,000 25,000 52,000 80,000
We add 30 days to show your exact due date.
Please enter a valid loan amount and date.

M-Shwari (30 days): Facility fee is 7.5% of the loan amount. Excise duty is 20% of the facility fee — deducted upfront. You repay principal + facility fee.

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

KCB M-PESA (30 days): Flat facility fee of 9.06%. You receive the full loan amount — no excise deducted upfront.

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

Tala (1–61 days): Interest accrues daily. Enter your specific rate from the Tala app — it varies by offer.

1,000 5,000 10,000 30,000
Minimum 1 day, maximum 61 days.
Typically 0.3%–0.6% per day. Check your Tala app offer.
Please enter a valid amount, date, days and daily rate.

Loan Results

Timiza Loan Summary
Total Repayable
KES 0.00
principal + access fee
Amount You Receive
KES 0.00
loan minus excise deducted upfront
Access Fee (8.75%)
KES 0.00
Excise Duty (20% of access fee)
KES 0.00
deducted from disbursement
Total Charges (Fee + Excise)
KES 0.00
Due Date (30 days)
—
—

Step-by-step breakdown

Loan principal KES 0.00
Access fee (8.75% of principal) KES 0.00
Excise duty (20% of access fee) KES 0.00
Amount credited to M-PESA KES 0.00
= Total you repay in 30 days KES 0.00

💡 Borrower Tips

📅 Repay before the due date to avoid late penalties. Check the Timiza app or USSD *848# for your exact balance.
⚠️ Late or missed payments can lead to CRB listing, blocking access to future credit across all lenders.
💰 You receive less than the loan amount because excise duty is deducted upfront — budget for the full repayment amount, not just what you received.
M-Shwari Loan Summary
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 facility fee)
KES 0.00
Total Charges (Fee + Excise)
KES 0.00
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 repay in 30 days KES 0.00

M-Shwari: 7.5% facility fee + 20% excise duty on fee (excise deducted upfront). Repay principal + facility fee in 30 days.

KCB M-PESA Loan Summary
Total Repayable
KES 0.00
principal + facility fee
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
Amount you receive (full loan) KES 0.00
= Total you repay in 30 days KES 0.00

KCB M-PESA: flat 9.06% facility fee. You receive the full loan amount — no excise deducted upfront, unlike Timiza and M-Shwari.

Tala Loan Summary
Total Repayable
KES 0.00
Total Interest
KES 0.00
Daily Interest Cost
KES 0.00
Due Date
—
—

Step-by-step breakdown

Loan principal KES 0.00
Daily rate 0.6%
Loan term 30 days
Daily interest cost KES 0.00
Total interest (rate × principal × days) KES 0.00
= Total repayable KES 0.00

Tala interest accrues daily — repaying early reduces total interest charged. At 0.6%/day the effective annual rate exceeds 200%.

Loan rates at a glance
Timiza: 8.75% + 20% excise (30d)  |  M-Shwari: 7.5% + 20% excise (30d)
KCB M-PESA: 9.06% flat (30d)  |  Tala: ~0.3–0.6%/day (1–61d)
Default on any = CRB listing. Check your status at creditinfo.co.ke