Financial planning,worked out properly.
Most financial advice is general. Your PAYE bands, your NSSF ceiling, your sacco loan and your school fees are not.
So there are two ways in. The full planner projects your income, tax, goals, debts and retirement month by month, from today to life expectancy. The free calculators answer one question at a time, in about two minutes. Both apply the same Kenyan rules, so the figures agree wherever you meet them.
The calculators are free and need no account. The full planner needs a free sign-in so your plan can be saved.
One plan, from today to life expectancy
What financial planning is
Writing down what you have, what you owe, and what you want, then checking whether the three agree.
That is the whole of it. Everything else is arithmetic. A plan takes your income and your expenses, applies the tax you actually pay, funds the goals you actually have, services the debts you actually owe, and projects the balance forward year by year until you are 85 or 90.
What makes it useful is not the forecast, which will be wrong in its details. It is that the plan is consistent. You cannot spend the same shilling on a car and a pension. You cannot retire early and contribute for longer. A projection forces those trade-offs into the open, where you can choose between them deliberately instead of by default.
And it is a document you revise, not a verdict you receive. The value is in running it again next year with what actually happened.
Decisions compound, in both directions
A contribution started at 30 rather than 40 has ten more years to grow, and no later contribution buys that time back. The same is true of a loan carried longer than it needed to be. Planning is mostly about seeing which of today’s choices are the ones that cannot be undone.
Tax is a plan, not a bill
Kenya gives every individual a pension deduction of up to 30,000 a month, insurance relief, and owner-occupier mortgage interest relief. None of it applies automatically. A plan is where you find out what you are entitled to and are not claiming.
Everything is connected
Clear a loan faster and you save interest but thin your emergency buffer. Retire two years earlier and the pot has to last two years longer while contributing two years less. A projection shows the second-order effect that intuition tends to miss.
Someone depends on the answer
School fees, a parent you support, a spouse who would inherit a mortgage. Sizing cover and understanding what probate would take is not morbid, it is the part of the plan that protects everyone else in it.
The Financial Planner
A month-by-month projection of an entire financial life, built on the Kenyan rules rather than on generic assumptions. Eighteen tabs, one model: change a contribution on the Tax tab and the retirement gap, the balance sheet and the estate all move with it.
Three demo households, ready to open
An operations manager with two children, a mortgage, a rental flat and an offshore sleeve. Comfortable, and carrying several open decisions.
The same household with a second income, a cleaning business, two PAYE ladders, two retirement dates and two estates. It retires short, on purpose.
A polygamous household. Three PAYE ladders, three retirement dates, three estates, and two matrimonial houses that each own property and run their own costs.
All three are fictional, all three are complete, and none of them is a perfect plan. Change anything you like and reset when you are done.
Cash flow · income streams, goals and milestones across the projection
Free tools
Start with one question
A full plan is worth building, but you do not have to begin there. Each of these answers one question on its own, needs no account, and feeds the same engine the planner uses.
Retirement Planner
The short version. A handful of inputs and a straight answer on whether the number you are heading for covers the retirement you want.
Personal Income Tax
Kenyan PAYE end to end: bands, personal relief, NSSF, SHIF, the Affordable Housing Levy, and what each deduction is actually worth to you.
Debt Payoff
Avalanche against snowball on your real balances, with fees and settlement penalties included, because the cheapest order is not always the highest rate.
Loan Repayment
What a loan really costs over its life, how much of each instalment is interest, and what an extra payment a month takes off the end.
Compound Interest
The one that changes behaviour. See what a monthly amount becomes over twenty years, and what waiting five years costs you.
Statement Analyzer
Upload an M-Pesa or bank statement and get categorised transactions, a trial balance and full financial statements, so the plan starts from what you really spend.
Why the tax detail matters
Gross pay is not the number you plan with. PAYE, NSSF, SHIF and the Housing Levy come off first, and the reliefs you claim change what is left. Every tool here applies the same rules the planner does, so the figures agree wherever you meet them.
Who it is for
Three ways in
Advisors and planners
Put a real engine behind the advice.
- Client workspaces, each with its own plan and history
- Suitability on record: risk questionnaire, capacity from the plan, mismatch flags
- A configurable client report with presets including a Statement of Advice
- Households of two or more adults modelled as separate taxpayers, polygamous ones included
Individuals and families
Find out where you actually stand.
- One place for the mortgage, the sacco loan, the school fees and the pension
- Goals priced in future money, not today’s, so the target is honest
- How much life cover your dependants would genuinely need
- What is left after probate, and what routing assets differently would save
Students and the curious
Learn on a finished plan instead of a blank page.
- Three worked demo households, seeded and ready to open
- Change one figure and watch every tab move
- A written guide explaining what each tab is for and how to read it
- Reset the demo whenever you like: nothing you do there touches a real plan
Getting started
Four steps, and the first one is not typing
Start from a demo, not a blank page
Three households ship with the planner: one earner, a couple, and a polygamous household of three adults across two houses. All are complete, all have real decisions left in them, and none is a perfect plan. Open one and every tab has numbers in it from the first click.
Put your own position in
Income, expenses, debts, holdings, property, goals. Upload a bank statement if you would rather start from what you actually spend than from an estimate.
Read what the plan says
Cash flow, net worth, retirement readiness, financial statements and health ratios, projected to life expectancy. The gaps are the point: a plan reading 100 percent funded has nothing left to tell you.
Change something and see what it moves
Retire two years later. Claim the pension relief you are leaving unused. Pay the expensive debt first. Scenario sliders re-run the whole projection while you drag them.
Common questions
Financial planning FAQ
What is financial planning?
Financial planning is writing down what you own, what you owe and what you want, then checking whether the three agree over time. In practice it means projecting your income, expenses, tax, debts and savings forward year by year so you can see whether your goals are funded and which decisions change that.
How do I make a financial plan in Kenya?
Start with your real income and spending, apply Kenyan PAYE, NSSF, SHIF and the Housing Levy, list your debts and goals, then project the balance to retirement and beyond. The financial planner here does all of that in one model, and you can start from a worked demo household rather than a blank page.
How much do I need to retire in Kenya?
It depends on the income you want, how long it must last, and what your pension, NSSF and investments will have grown to by then. The retirement planner gives a quick answer from a handful of inputs, and the full planner models the drawdown month by month including tax on withdrawals.
How much of my pension contribution is tax deductible?
Kenya allows a pension deduction of up to 30,000 shillings a month per person against PAYE. It is an individual entitlement, so every earning adult in a household has their own limit and unused allowance cannot be transferred between them.
Can the planner model a polygamous household?
Yes. Kenya’s Marriage Act 2014 recognises polygamous customary and Islamic marriages, and the planner holds a household of more than two adults rather than approximating it as a couple plus one. Each adult is a separate taxpayer with their own bands, reliefs, retirement date, cover need and estate, and assets can be attached to a particular matrimonial house or split by explicit shares. A worked polygamous demo household ships with the planner.
Are these financial planning tools free?
The calculators are free and need no account. The full financial planner needs a free sign-in so your plan can be saved between visits.
Can I use the planner to learn, without entering my own money?
Yes. Three complete demo households ship with the planner: a single earner, a couple, and a polygamous household of three adults. Open any of them, change anything you like, and reset when you are done. Nothing you do in a demo touches a real plan.
Open a demo and change one number.
It is the fastest way to understand what a plan does. Nothing you touch in a demo affects a real plan, and you can reset it whenever you like.