Loan repayment calculator

Enter the loan amount, the annual interest rate you were quoted, and the term. See the real monthly payment and what the loan actually costs you in total, before you sign anything.

Loan amount (KES)

Annual interest rate (%)

Term (months)

Figures appear here once all three fields are filled in.

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How this is calculated: a standard reducing-balance (amortizing) formula, the same method most banks and SACCOs use for equal monthly instalments. Some digital lenders and SACCOs quote flat rates instead, which produce a lower-looking rate for a similar real cost, always ask a lender directly whether their quoted rate is flat or reducing-balance before comparing offers. This is general information, not financial advice.

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