Take the guesswork out of your automated payments with the M-Pesa Ratiba Calculator. M-Pesa Ratiba simplifies your financial life by allowing you to set up standing orders for recurring expenses like rent, school fees, and upkeep. However, each automated transfer through Ratiba incurs a standard M-Pesa transaction fee plus an additional KSh 5 M-Pesa Ratiba service fee (for Send Money, Paybill, and Buy Goods transactions). Use this essential tool to accurately project the total cost of your scheduled transfers over the intended period. Simply enter the payment amount, the frequency (daily, weekly, or monthly), and the standard M-Pesa fee for that transaction, and our calculator will give you a clear, consolidated view of your total recurring commitment, helping you manage your M-Pesa balance effectively.
M-Pesa Ratiba Calculator
Created: 20 Oct 2025
Updated: 20 Mar 2026
Per Transaction
Transaction Amount
KSh 5,000
M-Pesa Charge
KSh 58
Ratiba Fee
KSh 5
Total Per Transaction
KSh 63
Total Cost Summary
Number of Payments
12×
Total Amount Sent
KSh 60,000
Total Fees
KSh 756
Grand Total
KSh 60,756
Current M-Pesa charges as of March 2026, sourced from Safaricom's published tariff schedule. Verify latest rates.