Updated 17 October 2026
This matatu profit calculator for Kenya works out monthly profit, profit margin, break-even sales and the months it takes to recover what you put in. The figures already in the boxes are example starting values to show how the tool works, not averages for the matatu business. Replace them with your own quotes and sales.
The numbers below are example starting values, not measured averages. Replace them with your own quotes and sales.
How to use the matatu profit calculator
Enter your startup cost, your expected sales for a month and the cost of goods as a share of sales. Then add rent, wages, licences spread over a month and other running costs such as electricity, transport and repairs. The calculator shows profit, margin, the sales you need to cover your costs and how many months of profit repay the startup cost.
Main costs in a matatu business
The biggest costs are the vehicle, fuel, the crew’s pay, insurance, SACCO fees and repairs. Daily takings depend heavily on the route.
Licences and permits
Every matatu must belong to a registered SACCO or company, carry a PSV licence from NTSA, pass NTSA inspection, have PSV insurance and a speed governor, and the crew need PSV badges. Every business also needs a KRA PIN, and most need a single business permit from the county. Registering a business name lets you open a business bank account. Our guide to the legal requirements for starting a business covers the rest.
How to make the matatu business more profitable
Fuel is the largest running cost, so check the current EPRA pump prices before you set your targets. Fares on many routes moved after the October 2026 fuel review, covered in our matatu fare story.
Understanding break-even and payback
Break-even sales is the monthly turnover at which you neither make nor lose money. If your expected sales are well above it, you have room for slow months. Payback is the startup cost divided by monthly profit. A short payback means less risk, but always add a few months for the slow start most businesses go through.
Hiring staff
If you need riders, attendants or shop assistants, you can find workers through jobinkenya.co.ke. Remember wages, NSSF and SHIF contributions all belong in your running costs.
Other business calculators
Boda Boda Profit Calculator, M-Pesa Agent Shop Profit Calculator, Chips and Fast Food Profit Calculator, Salon and Barbershop Profit Calculator. See all of them on the business profit calculators page.
Frequently asked questions
How much profit does a matatu business make in Kenya?
It depends on your location, prices and costs. Put your own figures into the calculator above to get an estimate for your situation.
What licences do I need for a matatu business?
Every matatu must belong to a registered SACCO or company, carry a PSV licence from NTSA, pass NTSA inspection, have PSV insurance and a speed governor, and the crew need PSV badges.
How is the payback period worked out?
Startup cost divided by monthly profit. If the business makes a loss, there is no payback.
