About HelaBora

HelaBora ("best money" in Swahili) is a free financial tools platform for Kenya. We help you calculate costs, compare products, and make smarter money decisions — without needing a finance degree.

Independent

We don't work for any bank, lender, or insurer. Our comparisons are based on publicly available data and we always show the true cost — including effective APR, not just the advertised rate.

Transparent

When we earn a commission from a referral, we tell you. We flag predatory lending rates (anything above 100% APR) with clear warnings. We believe informed consumers make better choices.

Free Forever

All our calculators and comparison tools are free to use, with no signup required. We make money through affiliate referrals and sponsored listings — never from selling your data.

Consumer-First

We actively warn about predatory financial products. When Fuliza costs 395% APR and there are cheaper alternatives, we say so. Our job is to protect your wallet, not sell you products.

What We Cover

Financial Calculators: M-Pesa charges, PAYE/salary calculator (updated for 2026 NSSF, SHIF, Housing Levy), loan calculator with flat vs reducing balance comparison, and Fuliza cost calculator.

Product Comparison: Personal loans from 227 CBK-licensed digital lenders, 176 SASRA-licensed SACCOs, 49 CMA-licensed money market funds, car and health insurance, and bank savings accounts.

Financial Guides: Clear, practical guides on topics like CRB clearance, tax rates, investment options, and understanding your payslip. Written for regular Kenyans, not financial experts.

Our Data Sources

We compile data from publicly available sources including:

  • - Central Bank of Kenya (CBK) — digital lender directory, base lending rates
  • - SASRA — licensed deposit-taking SACCOs and annual reports
  • - Capital Markets Authority (CMA) — licensed money market funds
  • - Insurance Regulatory Authority (IRA) — licensed insurers
  • - Kenya Revenue Authority (KRA) — PAYE tax bands and rates
  • - Safaricom — M-Pesa tariff and Fuliza terms
  • - Individual bank and lender websites — product terms and rates

We update our data regularly but cannot guarantee real-time accuracy. Always verify rates directly with the provider before making financial decisions.

Disclaimer

HelaBora provides information and tools for comparison purposes only. This is not financial advice. We are not licensed financial advisors, brokers, or intermediaries. Always do your own research and consult a qualified financial professional before making significant financial decisions. Rates and terms shown are indicative and may change without notice.

Questions or feedback? Email us at hello@helabora.com