What you owe
Debt 1
Safaricom's daily fee for your balance band, for 30 days (checked 15 Oct 2026). The one-off 1% access fee is left out.
Debt 2
9% for 30 days, as NCBA Bank with Safaricom publishes it (read 5 Oct 2026).
Debt 3
14.40% a year, the banks' average lending rate in September 2026 (CBK). For your own rate, pick "Other loan, % a year".
The minimums add up to KES 3,000. This month the charges alone come to about KES 1,770.
Your plan
Paying KES 6,000 a month, costliest first
Debt-free in 11 months
KES 57,000 owed today; KES 5,652 in charges on the way.
Pay off in this order (costliest first)
- 1. Fulizacosts 36.0% of the balance this month · KES 2,000gone in 1 month
- 2. M-Shwaricosts 9.0% of the balance this month · KES 5,000gone in 3 months
- 3. Bank loan (average rate)costs 1.2% of the balance this month · KES 50,000gone in 11 months
| Way to pay | Debt-free in | Charges paid |
|---|---|---|
| Costliest first | 11 months | KES 5,652 |
| Smallest first | 11 months | KES 5,652 |
| Minimums only | never | keeps growing |
Paying only the minimums, a debt with no set payment, like Fuliza, never ends. Your plan ends it in 11 months.
A guide, not a statement: lenders add late fees and roll-over charges that are not counted here, and a mobile loan or Fuliza balance usually has to be cleared within 30 days. Your loan agreement decides what you owe.
Why small debts come first
What a Fuliza balance costs if it stays a month
| Balance carried 30 days | Daily fees | Share of the balance |
|---|---|---|
| KES 300 | KES 90 | 30% |
| KES 1,000 | KES 180 | 18% |
| KES 2,000 | KES 720 | 36% |
| KES 5,000 | KES 900 | 18% |
Safaricom’s published daily maintenance fees, excise duty included, for 30 days; the one-off 1% access fee is extra. Source: Safaricom. The planner opens with Fuliza KES 2,000, M-Shwari KES 5,000, Bank loan (average rate) KES 50,000 and KES 6,000 a month: debt-free in 11 months.
Where the charges come from
Every rate is published
- Fuliza: Safaricom's daily fee for your balance band, for 30 days (checked 15 Oct 2026). The one-off 1% access fee is left out. Source
- M-Shwari: 9% for 30 days, as NCBA Bank with Safaricom publishes it (read 5 Oct 2026). Source
- Tala: From 0.3% a day, as Tala Kenya publishes it (read 5 Oct 2026); your offer may cost more. Source
- Bank loan (average rate): 14.40% a year, the banks' average lending rate in September 2026 (CBK). For your own rate, pick "Other loan, % a year". Source
Also see
Before you borrow again
Information, not advice. Your loan agreements decide what you owe. If debt is overwhelming, speak to your lender before you miss a payment.
Quick answers
Questions people ask
- Which debt should I pay off first?
- On cost alone, the one whose charges are the biggest share of what you owe: pay the minimums on everything, then put every spare shilling on that one. Small Fuliza and mobile-loan balances usually come first, because their fees are a large share of a small amount. Paying the smallest balance first costs a little more but clears a debt sooner; the planner shows both.
- How much does Fuliza cost if I carry it for a month?
- At Safaricom's published daily fees, a KES 2,000 balance carried for 30 days costs about KES 720, 36% of the balance, before the 1% access fee.
- Is it better to borrow from a bank or SACCO to clear mobile loans?
- It can cost less, because a bank or SACCO loan's yearly rate is usually far below what a mobile loan costs for a month. Compare the two with the loan true-cost calculator first, and count the new loan's fees. This is information, not advice: your own circumstances decide.