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

Loan Calculator

See exactly what a loan will cost before you sign.

Loan Details

KES Loan Amount

Annual Interest Rate (%)

Tip: Mobile lenders often charge 7.5 to 15% per month (flat). Banks and SACCOs use reducing balance. Always check the type.

Loan Type

Repayment Period (months)

Enter loan details to see results

Fill in the loan amount, rate, type, and period on the left

Monthly Payment

Total Repayment

Total Interest

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Reducing Balance: interest on remaining balance each month, cheaper, used by banks and SACCOs. Flat Rate: interest on full original amount every month, costs more, common in mobile and microfinance. A 10% flat rate equals roughly 18 to 20% reducing.

Full Repayment Schedule

Month	Payment	Principal	Interest	Balance