Kenya HELB Repayment Calculator

Repayment worksheet

Test your issued monthly payment

This is an amortisation scenario, not a HELB statement, billing schedule, compliance decision or clearance certificate.

Current HELB statement balance (KSh)

Use the live outstanding balance shown in your HELB portal or statement, including any already-posted charges.

Annual interest assumption (%)

4% is a published undergraduate/TVET reference rate, not a promise for every product. Confirm your agreement.

Monthly HELB deduction or direct payment (KSh)

For employed borrowers, copy the amount from HELB's billing schedule. For individual payment, enter the amount you will actually remit.

Extra monthly top-up (optional, KSh)

Use zero unless you intend to pay this in addition to the issued monthly amount.

Privacy: calculations run in this browser. Inputs are not placed in the URL, sent to a server, or automatically stored on this device.

Indicative schedule

First 24 repayment months

Interest is modelled monthly from the editable annual rate. Penalties and ledger charges are excluded.

Month	Payment	Interest	Principal	Balance

Official repayment route

HELB says payments now run through the e-Citizen repayment gateway, with options in the HELB/HEF self-serve flow and employer portal.

Open HELB repayment instructions

Why the rate starts at 4%

HELB's current undergraduate-loan page states 4% interest and a KSh 1,000 annual ledger fee. The fee is not modelled, and other products can use different terms.

Open HELB undergraduate-loan terms

Get the real deduction amount

HELB's employer guidance says the portal returns the outstanding balance and monthly deduction rate. That issued amount belongs in this worksheet.

Open HELB employer FAQs

Repayment start and clearance

Undergraduate repayment starts within one year after completion or earlier recall. Only HELB confirms completion and issues clearance.

Open HELB repay-loan guidance

Arrears need account-specific help

HELB says an unserviced borrower account may attract a penalty of at least KSh 5,000 per month. This calculator does not invent or compound penalties; use your live statement and contact HELB.

Open HELB loanee FAQs

Method

What this payoff estimate does

Each month, the worksheet applies one-twelfth of the annual rate to the outstanding balance, applies the entered payment first to interest and then principal, and caps the last payment to the amount actually due. This is a reducing-balance planning convention; verify the posting method on your statement. It stops after 600 months rather than pretending an impractically long path is precise.

Known limits

What you still need to verify

Your current balance, product rate, monthly deduction and repayment start date.
Any account-specific penalty, ledger fee, waiver, discount, deferment or negotiated plan.
Whether payments have been allocated to your statement and whether you qualify for compliance or clearance.

Sources last checked: 26 July 2026. Product terms can change; the linked HELB pages are the decision source.

FAQ

Kenya HELB repayment questions

How much should my employer deduct?

Use the amount in HELB's billing schedule or employer portal. HELB does not publish a universal salary percentage on its current employer FAQ.

Does this include default penalties?

No. Applied penalties and exceptions depend on the account. Enter the current balance from your statement and contact HELB about arrears.

Is 4% guaranteed for my loan?

No. It is a published undergraduate/TVET reference rate. Confirm the rate in your agreement or statement and edit the field when it differs.

Can this prove compliance or clearance?

No. HELB issues compliance certificates to eligible users and a clearance certificate after it confirms full repayment.