All tools are free — no sign-up, no paywall. Know exactly what a loan costs before you sign. New: compare two loans side by side and see which one costs less over the full term. Check your affordability before applying — lenders use the 40% debt-to-income rule to approve or reject you. Understanding flat rate vs reducing balance interest can save you thousands. Read our guide in the Learn section. CRB listings can block your loan applications for up to 5 years. Learn how the CRB works and how to protect your credit record. All tools are free — no sign-up, no paywall. Know exactly what a loan costs before you sign. New: compare two loans side by side and see which one costs less over the full term. Check your affordability before applying — lenders use the 40% debt-to-income rule to approve or reject you. Understanding flat rate vs reducing balance interest can save you thousands. Read our guide in the Learn section. CRB listings can block your loan applications for up to 5 years. Learn how the CRB works and how to protect your credit record.

Free Tool

Affordability Checker

Find out honestly whether a loan fits your budget.

Your Financial Details

KES Monthly Income

Your take-home pay (after tax)

KES Monthly Expenses

Rent, food, transport, utilities, existing loan payments

KES Monthly Loan Installment

Use the Loan Calculator to find this number

Enter your details to check affordability

Fill in income, expenses, and the monthly loan payment

Your Disposable Income

Loan Takes Up

After Loan Payment

0% 30% Safe limit 50% Caution 100%

Below 30% Affordable. Within healthy limits recommended by financial advisors.

30 to 50% Caution. Manageable but tight. Consider a smaller loan or longer period.

Above 50% High risk. Likely to default. Look for a smaller amount or save first.

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