M-Pesa Fuliza Calculator

Created: 20 Oct 2025   Updated: 20 Mar 2026
KSh
Min: KSh 1Max: KSh 70,000
days
Min: 1Max: 30
Free 3-Day Period! For amounts ≤ KSh 1,000, daily fees are waived for the first 3 days.

Cost Breakdown

Amount Borrowed KSh 5,000
Access Fee (1%)
One-time charge
KSh 50.00
Daily Maintenance Fees
7 days
KSh 210.00
Total Cost
KSh 260.00
Total Repayment KSh 5260.00
Effective cost: 5.2% of borrowed amount

Daily Fee Schedule

Day 1 KSh 30.00
Day 2 KSh 30.00
Day 3 KSh 30.00
Day 4 KSh 30.00
Day 5 KSh 30.00
Day 6 KSh 30.00
Day 7 KSh 30.00

Daily fee: KSh 0 (≤KSh 100) / KSh 3 (≤KSh 500) / KSh 6 (≤KSh 1,000) / KSh 21.60 (≤KSh 1,500) / KSh 24 (≤KSh 2,500) / KSh 30 (up to KSh 70,000)

For official information, visit Safaricom or dial *234#

Current M-Pesa charges as of March 2026, sourced from Safaricom's published tariff schedule. Verify latest rates.

Welcome to the ultimate M-Pesa Fuliza Calculator! If you're an M-Pesa user who relies on the Fuliza overdraft service, understanding the associated costs is crucial for smart money management. This easy-to-use tool is designed to take the guesswork out of your borrowing. Simply input the Fuliza amount you wish to use and the number of days you expect to take to repay it, and our calculator will instantly provide a clear, accurate estimate of the 1% access fee and the total daily maintenance fees you can expect to incur based on the latest tariff structure. Stop being surprised by your deductions—start planning your M-Pesa transactions confidently today!

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