Timiza Calculator Kenya – Mar 2026

Calculate your Timiza loan using the updated charges shown in the app: 8.75% access fee plus 20% excise duty on the access fee. See how much you receive, what you repay after 30 days, and compare with M-Shwari, KCB M-PESA and Tala.

Timiza 30-day loan: access fee is 8.75% and excise duty is 20% of the access fee. Excise is collected upfront.

5,000 10,000 25,000 52,000 80,000
We add 30 days to estimate the due date.
Please enter a valid Timiza loan amount and date.

M-Shwari: facility fee of 7.5% plus 20% excise on the facility fee.

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

KCB M-PESA: flat fee of 9.06% for 30 days.

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

Tala: choose days and daily interest rate.

Minimum 1 day, maximum 61 days.
Example default: 0.6% per day.
Please enter loan amount, date, days and daily rate.

Loan Results

Timiza Loan Summary
Amount you receive
KES 0.00
Total repayable
KES 0.00
Loan amount
KES 0.00
Due date (30 days)
—
Access fee (8.75%)
KES 0.00
Excise duty (20% of access fee)
KES 0.00
Total charges
KES 0.00
Effective charge rate
0.0%

How we calculated Timiza

Loan amount
KES 0.00
Access fee = amount × 8.75%
KES 0.00
Excise = access fee × 20%
KES 0.00
Amount received = amount − excise
KES 0.00
Total repayable = amount + access fee
KES 0.00

Based on the Timiza app example shown: access fee 8.75%, excise duty 20% of access fee, and excise collected upfront.

Email Me This Loan Summary

We’ll send a simple summary of your latest Timiza, M-Shwari, KCB M-PESA or Tala calculation.