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Loan-to-Income Ratio Calculator – financial.co.ke
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Loan-to-Income Ratio – Kenya
Loan-to-Income Ratio Calculator
See what share of your monthly income is already going to loan payments.
Many lenders in Kenya prefer your loan commitments to stay below about
30–35% of your net income.
1. Your income
Use your net income (after PAYE, NSSF, NHIF/SHIF). If income varies, use a realistic average.
2. Your loans
Include all monthly repayments: bank loans, SACCO loans, mobile app loans,
hire purchase, credit card, overdraft, etc.
Please enter a positive monthly income and at least one loan repayment.
3. Result & guidance
Your loan-to-income ratio compares total monthly repayments to your monthly income.
– %
Fill in your income and loans to see your ratio.
Status: Not calculated
Total monthly loan paymentsKES 0.00
Monthly income (net)KES 0.00
Ratio vs safe rangeTarget: < 35%
Extra room before 35%KES 0.00
This is an educational guide only. Each lender has their own rules, and affordability
also depends on your other bills, dependants and income stability. Use this tool to spot early
warning signs before things get tight.
