M-PESA Charges Calculator 2026 – Send Money, Withdrawal & ATM Fees
Use this free M-PESA Charges Calculator 2026 to estimate how much you may pay when sending money, withdrawing from an M-PESA agent, or withdrawing from an ATM in Kenya.
This tool is useful for M-PESA users, business owners, freelancers, students, parents, customers and anyone who wants to quickly estimate M-PESA transaction costs before sending or withdrawing money.
- Enter the transaction amount.
- Select the transaction type.
- Click calculate to estimate the M-PESA charge.
M-PESA Charges Calculator 2026
Estimate Safaricom M-PESA send money fees, agent withdrawal charges and ATM withdrawal costs in Kenya.
M-PESA Charges Table 2026
The table below shows estimated M-PESA send money and agent withdrawal charges by transaction band.
| Amount Range | Send to M-PESA / Pochi / Business Till | Send to Other Mobile Money | Agent Withdrawal |
|---|---|---|---|
| Ksh 1 – 49 | Free | Free | N/A |
| Ksh 50 – 100 | Free | Free | Ksh 11 |
| Ksh 101 – 500 | Ksh 7 | Ksh 7 | Ksh 29 |
| Ksh 501 – 1,000 | Ksh 13 | Ksh 13 | Ksh 29 |
| Ksh 1,001 – 1,500 | Ksh 23 | Ksh 23 | Ksh 29 |
| Ksh 1,501 – 2,500 | Ksh 33 | Ksh 33 | Ksh 29 |
| Ksh 2,501 – 3,500 | Ksh 53 | Ksh 53 | Ksh 52 |
| Ksh 3,501 – 5,000 | Ksh 57 | Ksh 57 | Ksh 69 |
| Ksh 5,001 – 7,500 | Ksh 78 | Ksh 78 | Ksh 87 |
| Ksh 7,501 – 10,000 | Ksh 90 | Ksh 90 | Ksh 115 |
| Ksh 10,001 – 15,000 | Ksh 100 | Ksh 100 | Ksh 167 |
| Ksh 15,001 – 20,000 | Ksh 105 | Ksh 105 | Ksh 185 |
| Ksh 20,001 – 35,000 | Ksh 108 | Ksh 108 | Ksh 197 |
| Ksh 35,001 – 50,000 | Ksh 108 | Ksh 108 | Ksh 278 |
| Ksh 50,001 – 250,000 | Ksh 108 | Ksh 108 | Ksh 309 |
M-PESA ATM Withdrawal Charges
| ATM Withdrawal Range | Estimated ATM Charge |
|---|---|
| Ksh 200 – 2,500 | Ksh 35 |
| Ksh 2,501 – 5,000 | Ksh 69 |
| Ksh 5,001 – 10,000 | Ksh 115 |
| Ksh 10,001 – 35,000 | Ksh 203 |
How this M-PESA charges calculator works
1. Send money charges
The calculator estimates the fee for sending money to registered M-PESA users, Pochi la Biashara, Business Till customers and other registered mobile money users based on the transaction amount band.
2. Agent withdrawal charges
The calculator estimates the amount charged when withdrawing cash from an M-PESA agent. Agent withdrawal is not available for amounts below Ksh 50.
3. ATM withdrawal charges
The calculator estimates ATM withdrawal fees using the ATM withdrawal tariff bands. ATM withdrawal applies from Ksh 200 up to Ksh 35,000 based on the listed bands.
4. Total amount needed
Total amount needed means the transaction amount plus the estimated M-PESA charge. The final prompt on your phone may show the actual charge before you confirm.
Official references: Safaricom M-PESA Charges | Safaricom M-PESA Global | Safaricom Developer Portal
Frequently Asked Questions
How do I calculate M-PESA charges?
Enter the transaction amount, select the transaction type, and the calculator estimates the M-PESA charge based on the amount band.
Is sending Ksh 100 on M-PESA free?
Based on the listed tariff bands, sending between Ksh 1 and Ksh 100 to registered users is shown as free. Always confirm on the official M-PESA transaction prompt before completing the transaction.
Can I withdraw less than Ksh 50 from an M-PESA agent?
No. M-PESA agent withdrawal starts from Ksh 50 according to the listed tariff notes.
What is the maximum M-PESA transaction amount?
The listed maximum amount per transaction is Ksh 250,000. The maximum daily transaction value is listed as Ksh 500,000.
Is this an official Safaricom calculator?
No. This is an independent estimator. Always confirm final charges from Safaricom, M-PESA, MySafaricom, USSD, SIM toolkit, or the confirmation prompt before sending or withdrawing money.