Every tool on this page works for free in your phone’s browser, with no app to install and no account to create. They answer the questions Kenyans deal with every day: why a government portal keeps rejecting your photo, how many cluster points your KCSE grades give you, what a loan app really costs, and how much tax comes off your salary. The file tools process photos and PDFs on your own device, so your documents are never uploaded to our server.
The tools are grouped by job below. Each one opens on its own page with the official rules it is based on, so you can check the figures yourself.
Upload and Photo Tools for Government Portals
Portals such as eCitizen, KUCCPS, HELB, KMTC and TSC reject files that are too large or the wrong shape. These tools resize, compress and merge your files so they pass the first time.
- eCitizen Passport Photo Resizer: turns any phone photo into a 207×207 pixel passport photo on a white background, the size eCitizen expects.
- eCitizen Document Compressor: shrinks scanned IDs, certificates and PDFs to fit eCitizen’s upload limits, and lets you type in the limit your screen shows.
- KUCCPS Document Compressor: explains what to attach for each KUCCPS transfer reason and compresses your PDFs to fit.
- HELB Upload Compressor: compresses HELB supporting documents and merges the front and back of your ID into one PDF.
- KMTC Upload Tool: keeps each KMTC admissions scan under 2 MB, merges certificates into one PDF and makes a passport photo.
- TSC Registration Documents Compressor: merges transcripts into one PDF, compresses certificates under 1 MB and makes a passport photo for TSC number registration.
- KRA iTax Document Compressor: combines invoice photos into one PDF and compresses it under iTax’s 10 MB limit for supporting documents.
- KNEC Passport Photo Resizer: makes the 300×300 pixel photo KNEC asks for when registering candidates.
- Certificate of Good Conduct Compressor: explains what the DCI asks you to upload and makes or compresses the PDFs for eCitizen and employers.
Education Tools
- KUCCPS Cluster Points Calculator and Course Finder: enter your KCSE grades to estimate your weighted cluster points for every cluster and see the degree courses whose latest cut-off you meet.
- Kenya Universities and Colleges Directory: search all 514 KUCCPS institutions, including universities, KMTC campuses, TVET colleges and polytechnics, by name, course or county.
- HELB Loan Repayment Calculator: estimates your monthly HELB repayment at 4% interest a year plus the KSh 1,000 annual ledger fee.
- University and College Fees Finder: fees per university and per course, so you can budget before you apply.
Loans and Money Tools
- Loan App Cost Checker: shows the cash you actually receive, the total you repay and the effective annual rate for Fuliza, M-Shwari, KCB M-PESA, Hustler Fund, Tala, Branch and 30+ other apps.
- Lender and Sacco Licence Checker: type a name to see if a loan app is licensed by the Central Bank of Kenya or a Sacco is licensed by SASRA.
- Fuliza Charges Calculator: works out the access fee, daily fee and excise duty on any Fuliza amount.
- M-Pesa Charges Calculator: send-money and withdrawal fees at current Safaricom rates.
- Airtel Money Charges Calculator: transfer and withdrawal fees on Airtel Money.
- Hustler Fund Loan Calculator: interest, the savings deduction and the amount to repay.
- Loan Affordability Calculator: how much you can safely borrow on your income.
- Bank Loan Calculators and Sacco Loan Calculators: monthly repayments for every bank and for Saccos from A to Z.
- Check-off Loan Calculator: tests a payroll loan against the two-thirds rule.
- Car and Logbook Loan Calculator and Mortgage Calculator: repayments on vehicle and home loans.
- Money Market Fund Calculator, Investment Returns Calculator and Fixed Deposit Calculator: compare what your savings could earn in MMFs, T-bills, bonds and fixed deposits. Daily yields are on the MMF rates page.
- Sacco Dividend Calculator: estimates dividends on share capital after 5% withholding tax, plus interest on deposits.
Tax and Payroll Tools
- PAYE Calculator: net salary after PAYE, SHIF, NSSF and the Housing Levy.
- SHIF Calculator, NSSF Calculator and Housing Levy Calculator: each statutory deduction on its own.
- Rental Income Tax Calculator, Turnover Tax Calculator, Withholding Tax Calculator and VAT Calculator: the main KRA taxes for landlords and businesses.
- KRA Penalty Calculator: late filing and late payment penalties before they grow.
- KRA Car Import Duty Calculator: an indicative duty estimate based on KRA’s CRSP values.
Jobs, Pay and Business Tools
- CV and Cover Letter Builder (on Jobinkenya): build a clean CV and cover letter laid out the way Kenyan employers expect.
- Salary Checker (on Jobinkenya): pay ranges by job title, using only salaries employers actually published in listings.
- TSC Teacher Salary Calculator: teachers’ pay by job grade under the current CBA.
- Severance Pay Calculator and Gratuity Calculator: what you are owed when a job ends.
- Business Profit Calculators: daily and monthly profit for a boda boda, a matatu or an M-Pesa agent shop.
How to Get the Best Results
Read the short rules box at the top of each tool page before you start. Where a portal publishes an exact limit, the tool uses it. Where the portal does not publish one, the page says so and lets you enter the limit shown on your screen, rather than guessing. Calculators use the official rates named on each page; your bank, Sacco, employer or KRA will always have the final figure, so treat the results as a close estimate.
If a tool gives a result that looks wrong, or a portal changes its rules, tell us through the contact page and we will check it. New tools are added to this page as soon as they pass testing.
