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Finatrack
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💼 Salaried & Professional OS Main Employer • Payday: 28th

Monthly Payday & Salary Runway Command

Automate your Payday Ritual: Pay yourself first before lifestyle expenses and avoid the mid-month cash crash.

💳 Loans & Credit (0) 👑 Pay Yourself First
⏳ Next Payday 18 days Landing 2026-11-28
💵 Safe Daily Spend Ksh 1,000.00/d 🟢 Safe Spend Pace
🏦 Net Take-Home Ksh 65,000.00 After PAYE & deductions
⚡ Blended Inflows Ksh 65,000.00 Salary + side hustle
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Monthly Payday Waterfall Ritual

As soon as salary lands, split it into high-yield MMFs, goals, rent/bills, and your daily pocket allowance in 1 tap.

Payday: 28th
Amount hitting your bank/M-Pesa
Account salary enters before distribution
Recommended 30-20-25-25 Professional Wealth Blueprint:
👑 1. Pay Yourself First (30%) Ksh 19,500.00

Ziidi/Britam MMF (15%) + Sacco Share Capital (15%)

🏖️ 2. Goals Vault (20%) Ksh 13,000.00

Malindi 2027, School Fees & Land Deposit Vaults

⚡ 3. Fixed Obligations (25%) Ksh 16,250.00

Rent, KPLC token, WiFi, Insurance & Helb

💵 4. Safe Daily Living (25%) Ksh 16,250.00

Safe ~Ksh 541.67/day for daily food & pocket cash

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Kenyan Payslip & Statutory Tax Calculator

KRA PAYE • SHIF • NSSF • AHL

Enter your Gross Salary to compute exact statutory deductions and lock in your true Net Take-Home Pay.

Quick Gross:
Basic salary + house/commuter allowances
Auto-filled from your active checkoff loans
Statutory Deduction Item Monthly Amount
NSSF (Tier I & II 6%) Ksh 4,320.00 Capped at Ksh 4,320
SHIF Health (2.75%) Ksh 2,337.50 Social Health Fund
Housing Levy (1.5%) Ksh 1,275.00 Affordable Housing
Net PAYE (KRA Tax) Ksh 15,503.60 After Ksh 2,400 relief
Total Statutory: Ksh 23,436.10 • Net Before Checkoff: Ksh 61,563.90
Net Take-Home: Ksh 61,563.90
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Salary Runway & Daily Safe Spend

Pacing your discretionary cash to make it comfortably to payday.

Days to Payday: 18 days remaining
Discretionary Cash Left: Ksh 18,000.00
Your Safe Daily Ceiling: Ksh 1,000.00 / day
💡 The Payday Rule: As long as your daily spend stays under Ksh 1,000.00, you will arrive at payday on the 28th with zero debt and zero stress.
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Side-Hustle Income Blending

Combine your primary salary with gigs (Uber/Bolt car, consulting, shop).

Primary Salary: Ksh 65,000.00
Side-Hustle Estimate: Ksh 0.00
Total Blended Monthly: Ksh 65,000.00
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Loans Borrowed & Money Credited (Lent Out)

Checkoff & Personal Credit Ledger

Track SACCO loans, employer salary advances, bank checkoffs, HELB & mobile loans you owe—plus money you credited/lent to colleagues, friends, or clients.

📉 Total Loans Borrowed (I Owe) 0 Active
Ksh 0.00
SACCO, Salary Advance, Bank, HELB & Mobile Loans
📈 Total Credited / Lent (Owed to Me) 0 Active
Ksh 0.00
Money lent to colleagues, friends, family & side-hustle clients
⚖️ Net Credit / Debt Position Net Creditor
+Ksh 0.00
Credited (Ksh 0.00) minus Borrowed (Ksh 0.00)
Synced with your unified Finatrack Debt & Credit Ledger
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No Borrowed Loans or Credited Money Logged Yet

Have a SACCO loan, employer salary advance, HELB, or bank checkoff? Or did you credit/lend money to a colleague or friend? Log it above to track every shilling until settled.