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M-Pesa Charges Calculator

Calculate estimated M-Pesa transaction charges in Kenya. Enter your transaction amount and select the transaction type to quickly check the applicable M-Pesa charges.

Get your result

Use this M-Pesa Charges Calculator to estimate the charges for your M-Pesa transaction in Kenya. Enter the amount you want to send or transact, select the relevant transaction type, and the calculator will help you understand the estimated transaction cost before completing your payment. This tool is useful when you want to check M-Pesa charges for sending money, transferring funds, or other supported transaction types without manually searching through tariff tables.

Official Safaricom tariff — last updated 04 Jun 2026

KES

General limits

  • Maximum account balance: KES 500,000
  • Maximum daily transaction value: KES 500,000
  • Maximum amount per transaction: KES 250,000
  • Minimum agent withdrawal: KES 50
  • All deposits are FREE
  • Buying airtime via M-Pesa is FREE

Understanding the M-Pesa Charges Calculator

1. Enter the amount you want to transact.
2. Select the relevant M-Pesa transaction type.
3. The calculator identifies the applicable transaction range.
4. The relevant charge for that transaction is calculated.
5. Review the estimated M-Pesa transaction charge before making your transaction.

M-Pesa charges can change when service providers update their tariffs. Always confirm important transaction charges using the latest official tariff information.

Common questions

How do I calculate M-Pesa charges?

Enter the amount you want to transact and select the transaction type. The calculator uses the applicable transaction range to estimate the M-Pesa charge.

Are the M-Pesa charges shown by this calculator official?

The calculator is designed to provide an estimate based on the configured tariff information. Charges may change, so you should confirm important transactions using the latest official M-Pesa or Safaricom information.

Does the transaction amount include the M-Pesa charge?

This depends on the transaction type and the payment method. The calculator displays the estimated transaction charge separately to help you understand the expected cost.

Why are M-Pesa charges different for different amounts?

M-Pesa transaction charges may be based on transaction ranges. Different transaction amounts can therefore fall under different pricing bands.

Can M-Pesa charges change?

Yes. M-Pesa charges and transaction rules may change when tariffs or service policies are updated.