Check-off loans are repaid straight from your payslip. Section 19(3) of the Employment Act caps total deductions at two-thirds of an employee’s wages at any time, unless the Cabinet Secretary prescribes a different amount. The calculator shows how much room you have left and the loan it would support.
What counts as existing deductions
Include PAYE, NSSF, SHIF, the Housing Levy, existing loans, SACCO contributions and any other payslip deductions. Your employer and lender apply the rule to your actual payslip, and many lenders set stricter limits.
TSC teachers can check gross pay with the TSC salary calculator.
Frequently asked questions
What is the two-thirds rule?
Total deductions from wages may not exceed two-thirds of wages, under section 19(3) of the Employment Act.
Does PAYE count as a deduction?
Yes. All deductions on the payslip count towards the cap.
More: Bank loan calculators · SACCO loan calculators · Loan affordability calculator · Guides
Sources
- Employment Act, 2007 (Kenya Law) (checked 13 October 2026)
