Updated 1 November 2026
To find what a phone really costs on Lipa Mdogo Mdogo, multiply the daily payment by the number of days in the plan and add the deposit: total = deposit + (daily payment × days). A plan advertised at “KSh 60 a day” over 12 months is KSh 21,900 in daily payments alone (60 × 365), before the deposit. This Lipa Mdogo Mdogo daily payment calculator page gives a ready reckoner table, the formula for weekly plans, and a way to compare the result with the cash price.
Updated November 2026. The figures below are maths, not any provider’s prices. Use the deposit, daily rate and term printed on your own offer.
Lipa Mdogo Mdogo daily payment calculator: ready reckoner
Find your daily payment in the left column and read across to your plan length. These are the daily payments only; add your deposit to get the full total.
| Daily payment | 6 months (183 days) | 9 months (274 days) | 12 months (365 days) | 18 months (548 days) |
|---|---|---|---|---|
| KSh 30 | KSh 5,490 | KSh 8,220 | KSh 10,950 | KSh 16,440 |
| KSh 40 | KSh 7,320 | KSh 10,960 | KSh 14,600 | KSh 21,920 |
| KSh 50 | KSh 9,150 | KSh 13,700 | KSh 18,250 | KSh 27,400 |
| KSh 60 | KSh 10,980 | KSh 16,440 | KSh 21,900 | KSh 32,880 |
| KSh 70 | KSh 12,810 | KSh 19,180 | KSh 25,550 | KSh 38,360 |
| KSh 80 | KSh 14,640 | KSh 21,920 | KSh 29,200 | KSh 43,840 |
| KSh 100 | KSh 18,300 | KSh 27,400 | KSh 36,500 | KSh 54,800 |
| KSh 150 | KSh 27,450 | KSh 41,100 | KSh 54,750 | KSh 82,200 |
Plans are sometimes quoted in “days” rather than months. If your offer says 300 days, use 300, not a month estimate.
The formulas
- Daily plans: Total = Deposit + (Daily payment × Number of days)
- Weekly plans: Total = Deposit + (Weekly payment × Number of weeks). A year has 52 weeks.
- Extra you pay over cash: Premium (KSh) = Total − Cash price
- Premium as a percentage: Premium (%) = Premium ÷ Cash price × 100
Worked example (illustrative)
Say a phone sells for KSh 15,000 cash, and the instalment offer is a KSh 2,500 deposit plus KSh 50 a day for 365 days.
| Step | Working | Result |
|---|---|---|
| Daily payments | 50 × 365 | KSh 18,250 |
| Total paid | 2,500 + 18,250 | KSh 20,750 |
| Premium over cash | 20,750 − 15,000 | KSh 5,750 |
| Premium % | 5,750 ÷ 15,000 × 100 | 38.3% |
In this example the convenience of paying daily costs KSh 5,750, or about 38% more than paying cash. Your real numbers will differ; the point is to do the sum before you sign. Our Lipa Mdogo Mdogo true cost guide goes further, including how to estimate an annual interest rate.
Checks the daily figure hides
- Days you can’t pay. M-KOPA’s Kenyan terms let it deactivate a phone when you fall behind, and unlocking can need more than one payment. A plan is only affordable if you can pay on your worst days, not just your best.
- Extra products. Insurance, data bundles or a second product can raise the daily amount. Ask for the total in writing.
- Licence. Check the lender is CBK-licensed with our licence checker guide.
- Credit record. Missed payments can be reported to CRBs after notice; see Lipa Mdogo Mdogo and CRB.
Compare with other ways to pay
Run the same total for other options: a Sacco loan (use our Sacco loan calculators), Safaricom’s pay-on-credit service (see Faraja) or simply saving the daily amount first and buying cash. The option with the lowest total, that you can actually keep up with, is the cheapest.
Frequently asked questions
How do I calculate the total cost of a Lipa Mdogo Mdogo phone?
Multiply the daily payment by the number of days in the plan and add the deposit. Then subtract the cash price to see how much extra you pay.
How much is KSh 50 a day for a year?
KSh 18,250 (50 × 365), before any deposit.
How much is KSh 100 a day for 6 months?
About KSh 18,300 over 183 days, before any deposit.
Is paying daily more expensive than cash?
Usually, yes. Instalment totals are normally higher than the cash price because they include the cost of credit. Work out the premium before you sign.
Calculations by Business Radar. Provider rules from the M-KOPA Kenya terms of service, read 1 November 2026.
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