SACCO calculators
Quick, private tools — everything runs in your browser, nothing is stored. Estimates are illustrative; confirm actual terms with the institution.
SACCO borrowing power estimator
Most SACCOs lend a multiple of your accumulated deposits. See what consistent saving builds.
Illustrative only: excludes interest earned on deposits (which helps you) and assumes the SACCO’s multiplier applies to your full deposits. Actual limits depend on the SACCO’s policy, your guarantors or collateral, and your repayment capacity. Most SACCOs also require ~6 months of membership before the first loan.
Flat vs reducing balance — the true cost
Two loans can quote the same monthly rate and cost very different amounts. This is the comparison every borrower should run before signing.
Always ask in writing: “Is this rate flat or on reducing balance, and what is the total amount I will repay?” Most established SACCOs use reducing balance on main products — confirm it.
First-year outlay of joining
What year one actually requires — and where each shilling sits. Get these three numbers in writing from any SACCO you consider.
Only the entrance fee is a true cost. Share capital is locked but remains yours (transferable on exit), and contributions are your own savings — earning interest and building borrowing power. Some SACCOs allow share capital in instalments; ask.
These calculators are educational tools, not financial advice or loan offers. Figures exclude fees, insurance and taxes unless stated. See our loans guide and dividends guide for how the underlying mechanics work.