NSSF Calculator (Kenya, 2026)
By Nash Thuo · Updated June 2026
Work out your NSSF deduction under the new 2026 rates, and see how much your employer adds to your pension every month.
Work out your NSSF deduction
See your monthly NSSF deduction under the 2026 (Phase 4) rates, plus what your employer adds to your pension.
| Tier I (first KES 9,000) | — |
| Tier II (up to KES 108,000) | — |
| You contribute | — |
| Your employer adds | — |
| Total into your pension | — |
NSSF is a foundation, not a full retirement plan. Top it up with a money market fund at around 9% a year. See the NSSF rates guide.
Based on NSSF Phase 4, effective February 2026: 6% of pensionable pay, capped once your pay reaches KES 108,000, so the most you contribute is KES 6,480 a month, matched by your employer. NSSF is also an allowable deduction, taken off before PAYE, which slightly lowers your income tax.
How NSSF is worked out in 2026
Since February 2026, NSSF is 6% of your pensionable pay, matched by your employer. It is split into two tiers, each with its own limit:
| Tier | Pay covered | Max you pay |
|---|---|---|
| Tier I | First KES 9,000 | KES 540 |
| Tier II | KES 9,000 to 108,000 | KES 5,940 |
| Maximum | Up to KES 108,000 | KES 6,480 |
Because both tiers are charged at 6%, the shortcut is simple: your NSSF is 6% of your pay, capped at KES 6,480 once your pay reaches KES 108,000. For your full take-home pay after NSSF, SHIF, the Housing Levy and PAYE, use the PAYE and net pay calculator.
NSSF is a start, not the whole plan
Even at the higher 2026 rates, NSSF alone will not fund a comfortable retirement for most people. Top it up with your own savings in a money market fund at around 9% a year, and see your path with the money market fund calculator. Our NSSF rates guide explains the new rates in full.
Frequently Asked Questions
How much is NSSF on a KES 50,000 salary in 2026?
NSSF is 6% of pensionable pay, so on KES 50,000 you contribute KES 3,000 a month, and your employer adds another KES 3,000.
What is the maximum NSSF contribution in 2026?
The maximum employee contribution is KES 6,480 a month, reached once your pay is KES 108,000 or more. Your employer matches it, so up to KES 12,960 goes into your pension each month.
What is the difference between Tier I and Tier II NSSF?
Tier I is 6% of the first KES 9,000 of pay (KES 540). Tier II is 6% of pay from KES 9,000 up to KES 108,000. Together they cap your contribution at KES 6,480.
Is NSSF deducted before PAYE?
Yes. NSSF is an allowable deduction, taken off your gross pay before PAYE is calculated, which slightly lowers your income tax.
Is this NSSF calculator free?
Yes, it is completely free, ad-free, and uses the current NSSF Phase 4 rates that took effect in February 2026.