Loan Affordability Calculator

Affordability snapshot for a Nairobi salaried MSME borrower.

CBK DSR PASS18m term

Inputs

Static display

Monthly incomeMonthly expensesExisting debtRequested loanTerm

PASS

Net monthly surplus

KES 34,600

DSR

24.7%

within 35% CBK guideline

Max affordable instalment

KES 17,300

Recommended loan

KES 248,000

18m · 21% APR · KES 16,842/mo

CBK DSR guideline note.

Digital loans may cap at 50% DSR, while this officer workflow recommends a conservative 35% maximum for affordability approval.

Loan amount changes at same affordability ceiling

Term	Monthly instalment	Affordable loan	DSR	Status
12 months	KES 24,815	KES 195,000	38.9%	Above recommended
18 months	KES 16,842	KES 248,000	24.7%	Recommended
24 months	KES 13,985	KES 294,000	26.3%	Pass
36 months	KES 11,301	KES 372,000	23.2%	Pass