Welcome to the M-Shwari Loan Calculator, the essential tool for managing your borrowing on the M-Pesa platform. M-Shwari offers convenient mobile loans with a clear 30-day repayment term and a fixed facility fee. Our calculator makes it simple to understand the true cost of your loan before you borrow. Just enter your desired loan amount, and we will instantly show you the exact 7.5% facility fee, the total repayment due at the end of the month, and the net amount you will receive. Use this calculator to make informed decisions, manage your M-Shwari limit responsibly, and stay in control of your personal finances.
M-Shwari Calculator
Created: 20 Oct 2025
Updated: 20 Mar 2026
Loan Breakdown
Loan Requested
KSh 10,000
You Receive
KSh 10,000
Facilitation Fee (7.5%)
KSh 750.00
Excise Duty (1.5%)
KSh 150.00
Total Repayment (30 days)
KSh 10900.00
Total Cost
KSh 900.00 (9%)
Current M-Pesa charges as of March 2026, sourced from Safaricom's published tariff schedule. Verify latest rates.