M-Pesa Charges Calculator 2026
Calculate exact M-Pesa transaction costs. Updated with 2026 Safaricom tariffs.
Full Send to M-Pesa Tariff — 2026
| Amount Range (KES) | Base Fee (KES) | + Excise (15%) | Total |
|---|---|---|---|
| 0 — 49 | FREE | — | FREE |
| 50 — 100 | FREE | — | FREE |
| 101 — 500 | 7 | 1 | 8 |
| 501 — 1,000 | 13 | 2 | 15 |
| 1,001 — 1,500 | 23 | 3 | 26 |
| 1,501 — 2,500 | 33 | 5 | 38 |
| 2,501 — 3,500 | 53 | 8 | 61 |
| 3,501 — 5,000 | 57 | 9 | 66 |
| 5,001 — 7,500 | 78 | 12 | 90 |
| 7,501 — 10,000 | 90 | 14 | 104 |
| 10,001 — 15,000 | 100 | 15 | 115 |
| 15,001 — 20,000 | 105 | 16 | 121 |
| 20,001 — 35,000 | 108 | 16 | 124 |
| 35,001 — 50,000 | 108 | 16 | 124 |
| 50,001 — 250,000 | 108 | 16 | 124 |
Frequently Asked Questions
How much does M-Pesa charge for sending money?
M-Pesa charges range from free (under KES 100) to KES 108 + 15% excise duty = KES 124 (for amounts above KES 20,000). The exact charge depends on the amount you are sending.
Is Lipa na M-Pesa (Buy Goods) free?
Yes, buying goods and paying via Lipa na M-Pesa is completely free for all amounts. The merchant pays the transaction fee, not you.
What is the maximum M-Pesa transaction amount?
The maximum single M-Pesa transaction is KES 250,000. The daily transaction limit is KES 500,000.
Are M-Pesa withdrawal charges the same as sending charges?
No, withdrawal charges from M-Pesa agents are generally higher than sending charges, especially for larger amounts. Use our calculator above to compare.
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This M-Pesa charges calculator provides estimates based on current KRA tax rates and publicly available data. It is not a substitute for professional tax or financial advice. HelaBora is an educational platform — we are not licensed tax agents, financial advisors, or financial institutions. Always consult a qualified professional for specific tax matters or financial decisions.
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