Skip to main content

Country or region

Kenya · KES

Switching keeps your loan term and resets the amounts to that market's example. Use your browser's Back button to undo.

HomeCalc

Mortgage calculator for Kenya

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Kenya

HomeCalc has no data on fees, taxes or lending limits in Kenya. The loan maths and KES formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

KES
KES
20% of the price · Loan KES 2,080,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
KES
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

KES 24,368.77

Kenya · KES · Basic: fees entered by you

Highest payment
KES 24,374.05
Total interest
KES 3,768,510.08
Total paidPrincipal plus interest
KES 5,848,510.08

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Kenya: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Kenya. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of KES. Lenders in Kenya may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at KES 24,368.77. Exact figures are in the schedule table.Year 1: interest KES 269,039.10, principal KES 23,386.14Year 2: interest KES 265,811.03, principal KES 26,614.21Year 3: interest KES 262,137.42, principal KES 30,287.82Year 4: interest KES 257,956.71, principal KES 34,468.53Year 5: interest KES 253,198.94, principal KES 39,226.30Year 6: interest KES 247,784.43, principal KES 44,640.81Year 7: interest KES 241,622.57, principal KES 50,802.67Year 8: interest KES 234,610.17, principal KES 57,815.07Year 9: interest KES 226,629.78, principal KES 65,795.46Year 10: interest KES 217,547.88, principal KES 74,877.36Year 11: interest KES 207,212.38, principal KES 85,212.86Year 12: interest KES 195,450.23, principal KES 96,975.01Year 13: interest KES 182,064.52, principal KES 110,360.72Year 14: interest KES 166,831.16, principal KES 125,594.08Year 15: interest KES 149,495.09, principal KES 142,930.15Year 16: interest KES 129,766.10, principal KES 162,659.14Year 17: interest KES 107,313.85, principal KES 185,111.39Year 18: interest KES 81,762.46, principal KES 210,662.78Year 19: interest KES 52,684.16, principal KES 239,741.08Year 20: interest KES 19,592.10, principal KES 272,838.42per yearper month80,000160,000240,000320,00010,00020,00030,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

Scroll sideways to see the whole table