Are the Shmoney calculators free?

Yes. The M-PESA, Fuliza and M-Shwari calculators are free to use and do not require an account.

How current are the calculator rates?

Rates are based on provider information last checked on 23 August 2026. Provider tariffs can change, so confirm the current fee with Safaricom or NCBA before making a financial decision.

Are calculator results official quotes?

No. Results are estimates calculated from the listed tariff bands and terms. Final charges are determined by the provider.

Kenya M-PESA & Mobile Money Calculators

PICK A CALCULATOR

Which cost do you want to check?

SEND OR WITHDRAW

M-PESA charges

Check the fee for sending money or withdrawing cash at an agent before you transact.

Estimate your fee

BORROW WITH FULIZA

Fuliza charges

Estimate access and daily maintenance fees based on your balance and repayment timing.

Estimate your cost

PLAN A LOAN

M-Shwari loan cost

See the facilitation fee, excise duty and total repayment for an M-Shwari loan.

Estimate repayment

Know the fee. Keep track of the rest.

These tools estimate individual charges. Shmoney helps you track M-PESA activity over time and understand where your money goes.

About these Kenya money calculators

Use the M-PESA fee calculator for send and agent withdrawal charges, the Fuliza calculator for overdraft fees, or the M-Shwari calculator to estimate loan costs. The tools are free and do not need your phone number, M-PESA PIN or account access.

How current are the rates?

Rates and terms were last checked on 4 November 2026 against published provider information. Tariffs can change, so confirm the current charge with Safaricom or NCBA before making a financial decision.

Are the results official quotes?

No. Results are estimates based on the listed tariff bands and terms. Your final charge is determined by the provider.