← All calculators
📱 The M-Pesa Payday Safety Router
Your salary minus rent and bills, routed safely — know your weekly limit before M-Pesa spends it for you.
⚠️
34%
more is spent on non-essentials in the first week after salary by Kenyans without a payday allocation plan.
FSD Kenya Spending Behaviour Study, 2024
📱
28% less
end-of-month shortfall for people who pre-route rent, bills and savings on payday — before M-Pesa sees it.
FSD Kenya Behavioural Research, 2024
📖 How this works — 30-second tutorial
- Enter your net salary and the two fixed outflows — rent and bills.
- What's left is your floating surplus; ÷4.33 weeks gives your true weekly spend limit.
- On payday, move the surplus out of your main M-Pesa wallet into a locked pocket or MMF before it evaporates.
- Withdraw only the weekly limit back — the wallet you see is the money you spend.