SHA Monthly Contribution Rates Kenya
The SHA monthly contribution rate in Kenya is 2.75% of your gross monthly income, with a minimum of KES 300 per month. This page shows exactly what that means for every salary range, includes an instant calculator, and explains how both employed and self-employed Kenyans pay.
1. The Official SHA Contribution Formula
The Social Health Insurance Fund (SHIF) — the contribution that sits under SHA — uses a simple income-based formula. This replaced the old NHIF band system where everyone in a salary range paid the same flat amount.
The minimum of KES 300 kicks in for anyone earning below KES 10,910 per month. At exactly KES 10,910, the 2.75% calculation produces KES 300.02 — just above the minimum — so the percentage rule takes over from that point upward.
This is sourced directly from the official KRA SHA contribution table, which states: earnings of KES 0 – KES 5,999 attract KES 300, and KES 6,000 and above attract 2.75% of gross salary.
SHA replaced NHIF in 2024. Under NHIF, contributions were capped at flat bands — for example KES 1,700 for anyone earning over KES 100,000. Under SHA, the 2.75% continues to scale upward with no cap, which means higher earners contribute significantly more than they did under NHIF.
2. Instant SHA Contribution Calculator
Enter your gross monthly salary below. Your SHA contribution is calculated instantly using the official 2.75% rate and the KES 300 minimum rule.
SHA is calculated on your gross monthly income — your total earnings before any deductions are taken out. Using your net (take-home) pay will produce a lower figure than what actually appears on your payslip.
3. SHA Contribution by Salary Range
The table below shows the monthly and annual SHA contribution for every salary range — calculated using the official 2.75% SHIF rate. All figures are based on the midpoint and endpoints of each band.
| Gross Monthly Salary | Monthly SHA | Annual SHA | Rule |
|---|---|---|---|
| Below KES 10,910 | KES 300 Min | KES 3,600 | Minimum applies |
| KES 11,000 – KES 24,000 | KES 303 – KES 660 | KES 3,630 – KES 7,920 | 2.75% of gross |
| KES 25,000 – KES 35,000 | KES 688 – KES 963 | KES 8,250 – KES 11,550 | 2.75% of gross |
| KES 36,000 – KES 55,000 | KES 990 – KES 1,513 | KES 11,880 – KES 18,150 | 2.75% of gross |
| KES 56,000 – KES 85,000 | KES 1,540 – KES 2,338 | KES 18,480 – KES 28,050 | 2.75% of gross |
| KES 86,000 – KES 100,000 | KES 2,365 – KES 2,750 | KES 28,380 – KES 33,000 | 2.75% of gross |
| KES 101,000 – KES 125,000 | KES 2,778 – KES 3,438 | KES 33,330 – KES 41,250 | 2.75% of gross |
| KES 126,000 – KES 210,000 | KES 3,465 – KES 5,775 | KES 41,580 – KES 69,300 | 2.75% of gross |
4. Common Salary Amounts — Quick Lookup
These are the exact SHA monthly contributions for the most commonly earned salaries in Kenya — calculated to the shilling using the official 2.75% rate.
5. Employed vs Self-Employed — What Changes
The 2.75% rate applies to both employed and self-employed Kenyans. What changes is how the contribution amount is determined and how it is paid.
| How SHA Works | Formally Employed | Self-Employed / Unemployed |
|---|---|---|
| Rate used | 2.75% of gross salary | 2.75% via Means Test assessment |
| How amount is set | Automatically from payroll | Through the SHA Means Test |
| Who pays | Employer deducts and remits | You pay directly via M-Pesa |
| Payment method | Payroll deduction — automatic | M-Pesa Paybill 200222, account = National ID |
| Registration step needed | Employer registers through payroll system | Register via *147#, then complete Means Test |
| Minimum contribution | KES 300 per month | KES 300 per month |
Not yet registered? Self-employed Kenyans must complete two steps to activate SHA cover — dial *147# to start, then complete the Means Test on afyayangu.go.ke. Read our full SHA registration guide for the step-by-step process, or our SHA Means Test guide if you are stuck at that step.
Stuck on SHA Registration or the Means Test?
We complete your full SHA registration including the Means Test via WhatsApp — you just send your National ID and we handle everything the same day.
💬 WhatsApp: 0751 947 7006. How to Pay Your SHA Contribution Monthly
For self-employed and informal workers, SHA contributions are paid directly via M-Pesa every month. There is no automatic deduction — you must pay yourself each month to keep your cover active.
Pay SHA via M-Pesa — Step by Step
This takes less than 2 minutes. Use the same phone number registered to your SHA account.
- Open M-Pesa on your phone and select Lipa na M-Pesa
- Select Pay Bill
- Enter business number: 200222
- Enter account number: your National ID number
- Enter the amount — your monthly SHA contribution as calculated above
- Enter your M-Pesa PIN and confirm
- You receive a confirmation SMS — save it as proof of payment
M-Pesa SHA payments normally reflect on afyayangu.go.ke within a few hours. If yours has not reflected after 24 hours, read our guide on SHA payment not reflecting — it covers every cause and exact fix.
After paying, you can check your SHA registration status on afyayangu.go.ke to confirm your cover is active and up to date. If your status shows Inactive, it means a previous month was missed — paying the current month will reactivate your cover within 24 hours.
7. Frequently Asked Questions
Is SHA contribution the same as NHIF?
No. SHA replaced NHIF in October 2024 as part of Kenya's Universal Health Coverage reforms. NHIF used fixed contribution bands — for example, everyone earning over KES 100,000 paid KES 1,700 per month regardless of their actual salary. SHA uses a percentage model (2.75%) so contributions scale directly with income. Higher earners pay significantly more under SHA than they did under NHIF.
My payslip shows a different SHIF amount — is that an error?
Check the gross income figure your employer used as the base for the deduction. Some employers use basic salary only while others include allowances. The correct base is your total gross earnings before deductions. If the figure still does not reconcile, calculate 2.75% of your gross yourself using the calculator above and raise the discrepancy with your payroll or HR team early — late corrections create reconciliation problems.
What happens if I miss a monthly SHA payment?
Your SHA cover lapses to Inactive status. You cannot access benefits at SHA-contracted hospitals while Inactive. To reactivate, pay the current month's contribution via M-Pesa Paybill 200222 using your National ID as the account number. Your status updates to Active within 24 hours — there is no penalty or waiting period for reactivation.
Do I pay SHA on top of PAYE or is it separate?
SHA (SHIF) and PAYE are separate statutory deductions — both are calculated on gross income but independently of each other. SHA is not deducted before PAYE is calculated, and PAYE does not affect your SHA amount. They appear as separate lines on your payslip.
I earn different amounts each month — how do I know what to pay?
If your income varies month to month — for example because of commissions, overtime, or irregular business income — your SHA contribution changes with it. Use the calculator on this page each month to calculate the correct amount based on that month's gross income. For self-employed contributors, the Means Test gives you a baseline figure, but you can always pay above the minimum.
Can my employer pay less SHA than 2.75%?
No. The 2.75% rate is the statutory minimum set by the Social Health Insurance Act. Employers cannot legally deduct and remit less than 2.75% of an employee's gross income. If you suspect your employer is under-deducting, compare your payslip using the calculator above and raise the issue with your HR department.
Need Help With SHA Registration or Payments?
Not yet registered · Means Test not done · Status showing Inactive · Payment not reflecting
Send your National ID on WhatsApp. We sort it the same day.
We diagnose first — you only pay once we confirm the issue.
💬 WhatsApp: 0751 947 700Pay via M-Pesa only after we confirm your problem — not before.
Disclaimer: MyCyber is an independent digital assistance service. We are not affiliated with the Social Health Authority (SHA), KRA, or any government body. Contribution rates are based on official KRA and SHA published figures. Always verify current rates at sha.go.ke or the KRA portal, as rates may be updated by regulation.
