The National Hospital Insurance Fund (NHIF) is Kenya’s statutory health insurance scheme. Unlike PAYE, NHIF is not a percentage of pay — it is a fixed shilling amount that depends on which of 17 salary bands your gross monthly income falls into. This calculator maps your salary to the official NHIF table so HR teams and employees can verify the correct payroll deduction.
How it works
NHIF publishes a stepped contribution table. Each row defines a salary range and the flat monthly contribution for that range:
- Up to KES 5,999 → KES 150
- KES 6,000–7,999 → KES 300
- KES 8,000–11,999 → KES 400
- … stepping up through the bands …
- KES 100,000 and above → KES 1,700
The tool reads your gross salary, finds the first band whose ceiling is greater than or equal to your salary, and returns that band’s fixed contribution. Because the amount is banded rather than proportional, two people earning quite different salaries within the same band pay exactly the same NHIF.
Example
A gross salary of KES 45,000 falls in the KES 40,000–44,999… no — it falls in the band KES 45,000–49,999, which carries a contribution of KES 1,000. Someone on KES 49,500 in the same band also pays KES 1,000, while a salary of KES 50,000 moves up to the next band.
Notes
NHIF deductions are separate from NSSF (pension) and PAYE (income tax). Self-employed and voluntary contributors instead pay a flat KES 500 per month, which is outside the employee band table shown here. Always confirm the current rates against the official NHIF schedule, as the bands are reviewed periodically.