HELB Repayment Calculator Kenya
Find out your monthly HELB deduction based on your current salary and estimate your clearance date.
HELB Loan Details
HELB charges 4% p.a. interest on outstanding balance
Monthly HELB Deduction
—
| Outstanding Balance | — |
| Monthly Deduction | — |
| Annual Interest (4%) | — |
| Estimated Months to Clear | — |
| Estimated Clear Date | — |
Frequently Asked Questions
When does HELB repayment start?
HELB repayment begins immediately upon employment. Your employer is required by law to deduct the amount directly from your salary and remit to HELB.
What happens if I don't repay HELB?
HELB can issue a certificate of clearance demand which affects issuance of government services. Defaulters are listed, and a 5% penalty is charged on overdue amounts. HELB also works with employers to enforce deductions.
Can I make extra payments to clear HELB faster?
Yes. You can top up payments directly through M-PESA (Paybill: 200400) or your bank. Additional payments reduce your balance and the total interest you pay.