M-KOPA Phone Loan Calculator

Phone Loans

Compare deposit, repayments, cash price and affordability before taking a pay-as-you-go phone deal.

Updated ratesKenya-focusedFree to use

M-KOPA Phone Loan Calculator

Compare a pay-as-you-go phone deal against the cash price and see whether the repayment looks worth it.

Cash Phone Price (KSH)

Deposit / Upfront (KSH)

Repayment Amount (KSH)

Repayment Frequency

Term Length (months)

Use 1 to 12 months. Payment count is estimated from the selected frequency.

Daily Income (optional)

Use the actual offer terms

M-KOPA prices, deposits and repayment plans vary by phone model and time. This tool works best when you enter the real figures from the offer you are considering.

Deal Meter

Enter terms0/100

Worth itFairNot worth it

Add the phone cash price, deposit, repayment amount and term to score the deal.

Total repayment-

Markup over cash-

Score-

This is not financial advice and is not affiliated with M-KOPA. It is a comparison tool to help you understand repayment cost.

How this calculator works

Enter amount

Type the figures or details you want to calculate.

Choose options

Select the calculator settings that match your situation.

View estimate

Review the expected result before making a decision.

Built around Kenyan decisions

Tools are designed for local money, tax, utility, planning and health needs.

Local focus

Kenya

Access

Free

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