SHA contribution calculator in Kenya

SHA contribution calculator: how much you pay each month

Reviewed on 23 September 2026 by the Tulinde editorial team · how we check facts

Short answerChecked 23 September 2026

SHA contributions are 2.75% of gross monthly income, with a minimum of KES 300 a month and no upper limit. Salaried workers pay monthly through the employer by the 9th; the self-employed pay a yearly amount set by SHA's means test. Late payment costs 2% a month on the unpaid amount and stops your cover until you pay.

Work out your SHA contributionYour situationGross monthly salary (KES)

KES 300 a monthKES 3,600 a year · deducted by your employer and paid by the 9th of the following month

2.75% of this income is below KES 300, so the minimum applies.

The rules behind the calculator

Rule	What it says	Source
Rate	2.75% of gross monthly income; no upper limit for any group	SHA
Minimum	KES 300 a month	Regulations 2024
Salaried	Deducted by the employer, paid by the 9th of each month	Regulations 2024
Self-employed / informal	A yearly contribution: 2.75% of household income estimated by the means-testing tool	SHA
Two earners	The household's incomes are combined before applying 2.75%	SHA FAQ
Late payment	2% of the amount due, charged monthly (penalty system live since 10 July 2025)	Act s.27(6), SHA FAQ
Cover	Services only while contributions are up to date; no waiting period	Act s.27(4), SHA FAQ

For the self-employed, the calculator uses the income you enter; your real amount is the one SHA's means test gives you on afyayangu.go.ke.

How to pay

Pay through paybill 200222 or by dialling *147#, according to the SHA FAQ. Employers who fail to remit deductions face a fine of up to KES 2 million or 3 years in prison (Act s.48).

Topping up SHA with private cover

SHA covers a defined benefit package. Many families add a private medical plan for wider hospital choice or outpatient limits — see health insurance in Kenya.

What would you like to do now?

Compare offers in Kenya Check that my current cover is valid Keep reading the guides

Frequently asked questions

How much is SHA for a salary of KES 50,000?

2.75% of 50,000 = KES 1,375 a month, deducted by the employer.

What is the minimum SHA contribution?

KES 300 a month.

Is there a maximum SHA contribution?

No. The Social Health Authority states there is no upper limit on contributions for any group.

What happens if I pay SHA late?

A penalty of 2% of the unpaid amount is charged each month, and you cannot use services until arrears and penalties are paid (SHA Act s.27(6)–(7)).