Updated 1 November 2026
Ananke Digital has released a free Rent Payment & Arrears Calculator that shows how a tenant’s M-Pesa payment should be split across rent, water, service charge, late fees and old balances, and how much is still owed.
This free rent arrears calculator is aimed at landlords who collect rent by M-Pesa.
Contents
NAIROBI, 1 November 2026: Nairobi digital studio Ananke Digital has published a free Rent Payment & Arrears Calculator for landlords, caretakers and property managers.
Why landlords need a rent arrears calculator
Tenants rarely pay the exact amount due. Many pay part of the rent, or send one lump sum to cover rent, water, service charge and last month’s balance. Landlords are then left working out by hand what each payment covered and what is still outstanding. Landlords already dealing with rental income tax on iTax and KRA compliance checks on rental income need clean records of what each tenant has paid.
How the rent arrears calculator works
You enter the monthly rent, the water bill, the service or garbage charge, any late fee and any arrears brought forward, along with the amount the tenant paid. The calculator applies the payment to each charge in a fixed order and shows how much each charge received. It then reports the balance still owed, or the credit to carry forward.
Landlords can choose one of two payment orders:
- Clear the oldest arrears and fees first.
- Protect the current month’s rent first.
Receipts for tenants by SMS or WhatsApp
The tool also writes a short receipt line that includes the unit code. You can send it to the tenant by SMS or WhatsApp. The calculator runs entirely in the browser, so the figures you enter are not sent or stored anywhere.
Companion guide on M-Pesa paybill rent collection
The calculator comes with a practical guide to collecting rent through an M-Pesa paybill. It covers:
- using unit codes as account numbers
- agreeing the order in which payments are applied
- matching payments by phone number
- sending receipts and reminders
- keeping an arrears list
- handling deposits separately from rent
Clear arrears records also help if a tenancy dispute arises. See our guide to landlord eviction in Kenya.
Other free tools for Kenyan businesses
The calculator joins Ananke Digital’s set of free tools. The set includes ROAS, CPM/CPC/CPA, influencer rate, engagement rate, marketing budget, website ROI and AI automation savings calculators.
About Ananke Digital
Ananke Digital is a Nairobi studio that builds websites, search and AI-search visibility, WhatsApp ordering and AI automation for Kenyan businesses. It also builds industry software for sectors including real estate, schools, SACCOs and clinics. Contact: hello@anankedigital.co.ke, +254 790 939 404.
Frequently asked questions
Is the rent arrears calculator free?
Yes. The rent arrears calculator from Ananke Digital’s Rent Payment & Arrears Calculator is free to use online.
What charges can the calculator split a payment across?
Rent, water, service or garbage charge, late fees and arrears brought forward.
Does the calculator store tenant data?
No. It runs entirely in the browser, so the figures entered are not sent or stored anywhere.
Can it produce a receipt for the tenant?
Yes. It writes a short receipt line with the unit code that can be sent by SMS or WhatsApp.
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