Interest is charged on the outstanding principal each month, so the interest component falls as the loan amortizes.

The calculator converts your monthly budget into an estimated finance amount using the selected rate and term, then adds either a fixed down payment or a percentage down payment.

KRA says imported used vehicles must be less than 8 years old from first registration. The calculator uses the first registration month/year and the expected arrival date, then works by completed months so timing changes are visible.

The first registration picker starts from January of the current year minus 7. In 2026 it starts at 2019; in January 2027 it will start at 2020. This keeps the form focused on vehicles that can still be relevant under the less-than-8-years rule.

Direct imports use the EAC schedule by month: more than 1 to 2 years is 20%, more than 2 to 3 years is 30%, more than 3 to 4 years is 40%, more than 4 to 5 years is 50%, more than 5 to 6 years is 55%, more than 6 to 7 years is 60%, and more than 7 to 8 years is 65%. Previously registered vehicles use a separate Kenya-registered schedule that rises from 20% in year 1 to 95% after 15 years.

A bad month is when the arrival date is 1 to 90 days before the vehicle moves into a higher depreciation band, for example a car sitting around 6 years and 12 months. Delaying arrival can increase depreciation and reduce tax, but only if the delayed arrival is still below the 8-year import limit. The result card shows the delay date, old tax, new tax and estimated saving when this applies.

CRSP is the retail selling price benchmark, not the customs value. The template formula is generally: customs value = ((CRSP / 1.25) x (1 - depreciation) / (1 + import-duty backout) / (1 + excise backout) / 1.16) x (1 - extra depreciation). Some classes have no import duty or no excise, and motorcycles use a fixed excise amount.

Open Configure CRSP when you want to choose which valuation sources appear in the make and model search. The default set keeps the 2019 CRSP files and the 2026 rulings update active. The 2020 and July 2025 CRSP files are available for comparison, but they are not selected by default so you do not accidentally mix a planning estimate with a different valuation period.

Select one source when you want a cleaner list for a specific CRSP version. Select several sources when you are comparing a model across CRSP updates or checking whether a later ruling has a different value. When sources overlap, the same make and model may appear more than once. Use the CRSP version shown in the model dropdown and beside the CRSP field to confirm which record you picked.

Search by make, model, year, engine size, fuel type or model code, then choose the closest CRSP match. If your invoice, ruling or official KRA value is different, edit the CRSP value field before calculating. The selected record only pre-fills the estimate; the editable CRSP field lets you test a newer customs value or a specific KRA ruling.

The calculator automatically chooses the matching KRA template formula from the selected CRSP row, engine size, fuel/powertrain and special vehicle wording such as ambulance or school bus. Direct imports include import duty, excise duty, VAT, IDF, RDL, clearing/port costs and the registration fee. Previously registered vehicles calculate import duty, excise duty and VAT only in the template total.

For direct imports, the landed-cost estimate adds a registration fee from the engine capacity bracket: less than 1000cc, 1001-1250cc, 1251-1500cc, 1501-1750cc, 1751-2000cc, 2001-2500cc, 2501-3000cc, and 3001cc or above. The engine capacity field is editable, so changing cc also updates the registration fee.

The port and clearing section uses editable planning defaults for port/storage, MSS levy, clearing and freight forwarding, shipping delivery order, radiation inspection and marine insurance. Marine insurance is calculated from customs value at the selected percentage, subject to the minimum amount.

Fuel type affects excise duty. Petrol and diesel vehicles use engine capacity to pick the applicable excise rate, electric vehicles use the electric excise treatment, and hybrid treatment is inferred when the CRSP model description identifies the vehicle as hybrid. Edit engine capacity when the CRSP row is missing cc or when your exact trim is different.

Previously registered in Kenya mode does not apply the import age cutoff or C&F landed-cost add-on. It uses the separate previously registered depreciation schedule and excludes IDF/RDL from the tax total, matching the right-hand side of the KRA template blocks.

C&F is converted from USD to KES with the online USD/KES rate field. The field is editable because customs assessments may use the weekly KRA exchange rate, while market APIs can differ slightly from official customs rates.

This is a planning calculator, not an official assessment. KRA may use a newer ruling, official exchange rate, exact vehicle class, inspection details, model code, engine capacity, fuel type, body type or customs officer review. Use the result to compare cars, understand the tax build-up and decide whether the month of shipment is sensible before paying a deposit.

The defaults use 15% for ordinary interest and common money market fund income, 10% for housing or qualifying long bond interest, and 0% for tax-exempt infrastructure bonds. Keep the fields editable because product terms and exemptions can differ.

Use Contributions for basic collection totals, Merry-Go-Round for payout order and dates, and Investments when chama savings are kept in an interest-earning account such as an MMF, fixed deposit or bank savings product.

The savings goal assumes every member contributes at the chosen weekly or monthly frequency and the combined chama balance earns interest in an interest-yielding account.