About JiPange
Built in Nairobi. Free forever.
Why we built this
Most Kenyans don't know their real take-home pay until payday. Many are stuck in Fuliza and M-Shwari cycles they could break with a clearer picture of their cash flow. Side hustlers and jua kali workers have no planning tools for irregular income. And the good financial calculators? Either built for the West, locked behind a login, or priced in dollars.
JiPange started from a simple frustration: there was no free, honest, Kenya-specific tool that showed you exactly what NSSF, SHIF, and the Affordable Housing Levy take from your salary — let alone one that understood M-Pesa fees, DhowCSD bonds, SACCO rates, or what rolling Fuliza for three months actually costs.
So we built it. Free. No login. No data collection. Yours.
What JiPange does
- 18+ free calculators
Take-home pay, savings goals, loans, FIRE number, inflation, SACCO vs bank, Fuliza cost, guarantor risk, KPLC bill optimizer, DhowCSD returns, and more — all running entirely in your browser.
- Goal planners
Reverse-engineer exactly how much to save per month for education, a home deposit, emergency fund, business capital, or retirement — with Kenyan vehicles like MMFs, SACCOs, and DhowCSD.
- 5-question financial journey
Answer five anonymous questions about your situation and get a personalised action plan with specific next steps. No signup. No phone number. Done in 90 seconds.
What JiPange is NOT
- ✗A licensed financial advisor, broker, or investment manager — always confirm major decisions with a certified professional.
- ✗A bank, lending product, or investment platform — we calculate, we don't hold money.
- ✗A data company — we don't sell, share, or even store your financial inputs. There's nothing to sell.
- ✗An app that requires your phone number, national ID, email, or any registration whatsoever.
Privacy by design
JiPange is completely anonymous. Your calculations run in your browser. Any profile data you enter stays in your browser's local storage — never on our servers. Clear your browser data and it's gone, with nothing held anywhere else.
The only time data touches a server is the AI-powered journey: anonymous answers (no name, no phone, no ID) are sent to generate your action plan. That's the full extent of our data footprint.
Built for Kenyan realities
JiPange is calibrated for Kenya's specific financial landscape:
- KRA PAYE bands and personal reliefs (Finance Act 2025/26)
- NSSF Act 2013 phased tiers (Year 4, 2026) and SHIF at 2.75%
- Affordable Housing Levy (1.5% matched by employer)
- CBK infrastructure bond yields, regulated SACCO rates, MMF benchmarks
- M-Pesa ecosystem costs: Fuliza daily fees, M-Shwari facilitation, Paybill charges
- DhowCSD minimum investment and CMA bond market access
- KNBS inflation data and purchasing power erosion
We cite our sources. When the law changes — and Kenyan tax law changes every Finance Act — we update the calculators.
Contact
Spotted an error in a calculation? Have a tool idea that would help everyday Kenyans? We'd genuinely like to hear it. hello@jipangefinance.app