Sacco Dividend Calculator
2026 Financial Year Estimates
Based on Kenya Sacco Regulatory Guidelines
Maximize Your Sacco Returns
Calculate your potential dividends and interest on deposits for 2026. Compare different Sacco rates and see how much you could earn after tax.
1 Your Sacco Details
KES
0
2.5M
5M+
KES
Minimum usually KES 10,000 – 100,000 depending on Sacco
%
Average: 6-10%
%
Average: 10-18%
Deduct 5% tax on dividends & interest
How Sacco Earnings Work
- • Interest on Deposits (Rebates): Earned on your savings/deposits (usually 6-10%).
- • Dividends: Earned on your share capital (usually higher, 10-18%).
- • Tax: 5% withholding tax is deducted at source for both.
- • Front Office Services: Some Saccos offer different rates for FOSA vs BOSA.
Net Annual Earnings
KES
0
After 5% withholding tax
Gross Earnings (Before Tax)
KES
0
Interest + Dividends
Detailed Breakdown
Interest on Deposits
Rate: 8% on KES 500,000
KES 0
Tax: 0
Dividends on Shares
Rate: 12% on KES
KES 0
Tax: 0
Total Withholding Tax
5% deducted at source
KES 0
Rate Comparison Simulator
See how your earnings change with different Sacco dividend rates (assuming same deposits).