How do I calculate M-Pesa charges in Kenya?
Enter the transaction amount and choose the type of M-Pesa transaction. The calculator estimates the Safaricom charge and total amount to budget for.
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M-Pesa Charges
Mobile MoneyCalculate transaction fees for send money, withdrawals, and payments
Updated for 2026Kenya-focusedFree to use
Calculate Mpesa Charges
Enter the amount and select transaction type to calculate Mpesa charges
Checked May 2026 tariffs
Customer send and agent withdrawal charges follow Safaricom's published M-PESA rates.
Your Estimate
Enter your details in the calculator to see your estimate and breakdown.
Input details-
Estimated result-
Total-
These estimates are for planning purposes. Actual values may vary depending on provider updates and service terms.
M-Pesa Charges for Kenya
Use this M-Pesa charges calculator to estimate Safaricom transaction costs before sending money, withdrawing from an agent, paying a Paybill or checking Till and Buy Goods scenarios. It is written for Kenyan users who want quick answers to M-Pesa send money charges, withdrawal fees and payment costs in 2026.
How this calculator works
1
Enter amount
Type the figures or details you want to calculate.
2
Choose options
Select the calculator settings that match your situation.
3
View estimate
Review the expected result before making a decision.
Built around Kenyan decisions
M-Pesa estimates are built around Kenyan mobile money decisions and should be checked against Safaricom's latest tariff for high-value transactions.
Local focus
Kenya
Access
Free
Common questions
Quick answers for people comparing rates, deductions and calculator results in Kenya.
Are M-Pesa deposits free?
M-Pesa deposits are generally free for customers. Charges usually apply to sending money, withdrawing cash, some payment transactions and other chargeable services.
Why can M-Pesa charges change?
Safaricom can update transaction bands, limits and tariffs. Always confirm large or business-critical payments against the latest official Safaricom tariff.
Does this calculator include withdrawal charges?
Yes. It is designed to estimate common M-Pesa costs including send money charges and agent withdrawal fees where tariff data is available.
Can I compare Paybill, Till and send money charges?
Yes. Use the transaction type options to compare common M-Pesa cases such as sending money, withdrawing from an agent, Paybill payments and Till or Buy Goods scenarios.
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