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Bitrix24 NSSF · Year 4 (2026) rates
NSSF contribution rates 2026 — what comes off your pay, what your employer adds
Short answer. Enter your monthly pensionable pay: the calculator shows Tier I and Tier II for you and your employer under the Year 4 (2026) rates, the date the money must reach NSSF and what your savings can grow to. Lower Earnings Limit (Tier I): KSh 9,000 — Tier I is 6 %, up to KSh 540 from you and KSh 540 from the employer (NSSF Notice to Employers — Year 4 (2026)).
- Contributions must reach NSSF by the 9th of the next monthtype the date
- Check your statement shows the month — a planning suggestiontype the date
Check your own case.
NSSF Notice to Employers, Year 4 (2026): remit by the 9th day of each subsequent month. Counted from the last day of the pay month.
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NSSF · Year 4 (2026) rates
What NSSF takes from your pay — and what your employer must add
Your monthly pensionable pay: you get Tier I and Tier II for you and your employer, the date the money must reach NSSF and what it can grow to.
Want a reminder on the 9th to check your NSSF statement shows this month?
The calendar file works without an account. Reminders need a free account to know where to send them.- Check your NSSF statement (dial *303# or the NSSF self-service portal) — every month should show both your part and your employer's.
- A month missing after the 9th of the following month: send the letter below to your employer and keep a copy.
- Still missing: take your payslips and the letter to the nearest NSSF branch.
NSSF Notice to Employers — Year 4 (2026) contribution rates, from February 2026 (NSSF Act Cap 258, Third Schedule): Lower Earnings Limit KSh 9,000, Upper Earnings Limit KSh 108,000; Tier I max KSh 540 + 540, Tier II max KSh 5,940 + 5,940; total up to KSh 12,960 a month per employee; remit by the 9th of the next month. Growth uses the rate you enter — not a forecast.
Lida, Layers template assistant
Look at your payslip: the NSSF line should match Tier I + Tier II above. If it is higher than your part, ask why.
Check the statement every few months — a missing month is easier to fix while the payslip is fresh.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Lower Earnings Limit (Tier I) | KSh 9,000 — Tier I is 6 %, up to KSh 540 from you and KSh 540 from the employer | NSSF Notice to Employers — Year 4 (2026) |
| Upper Earnings Limit (Tier II) | KSh 108,000 — Tier II is 6 % of pay between KSh 9,000 and 108,000, up to KSh 5,940 from you and KSh 5,940 from the employer | NSSF Notice to Employers — Year 4 (2026) |
| Maximum per month | KSh 12,960 per employee (you and the employer together), from February 2026 | NSSF Notice to Employers — Year 4 (2026) |
| When | Year 4 rates took effect in February 2026; Year 3 ended on 31 January 2026 | NSSF Act Cap 258, Third Schedule (as cited in the Notice) |
| Deadline | Employers remit by the 9th day of each subsequent month | NSSF Notice to Employers — Year 4 (2026) |
| Interest | The Fund declared 17 % net interest for 2024/2025 — a past figure, not a promise | NSSF Notice to Employers — Year 4 (2026) |
Figures from the NSSF Notice to Employers (Year 4, 2026), published on nssf.or.ke on 18 February 2026. The growth line uses the rate you enter.
Step by step
What to do, in order
1
Count it
Your pay → Tier I and Tier II, your part and the employer's.
2
Check your statement
Dial *303# or use the NSSF self-service portal: every month should show both parts.
3
Missing month?
After the 9th of the next month — send the letter below to your employer and keep a copy.
4
Still missing
Take your payslips and the letter to the nearest NSSF branch.
5
Keep records
Payslips showing the NSSF deduction are your proof.
Questions
How is NSSF contribution calculated in 2026?
6 % of your pensionable pay up to KSh 9,000 (Tier I) plus 6 % of the part between KSh 9,000 and KSh 108,000 (Tier II); your employer pays the same. At KSh 50,000 that is KSh 3,000 from you and KSh 3,000 from the employer.
What is the maximum NSSF deduction in 2026?
KSh 6,480 a month from you (540 + 5,940) and the same from the employer — KSh 12,960 together — at pay of KSh 108,000 or more.
By when must my employer pay it?
By the 9th day of the following month (NSSF Notice to Employers, Year 4).
Official sources
Step 1 of 2
Work in Kenya: what you are owed
- 1 NSSF: what must be paid in
- 2 Terminal dues on leaving
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
A calculation and a ready letter, not financial or legal advice.