Free calculator
On a monthly salary of K15,000 in Zambia, take-home pay is K10,924, after PAYE K3,176, NAPSA K750 and NHIMA K150. Worked out for November 2026 on ZRA's current tables.
Enter a monthly salary to see PAYE, NAPSA and NHIMA, take-home pay and what the employer pays on top. Free, with nothing to sign up for.
K10,924
What it costs the employer: K15,975
Gross pay, plus NAPSA K750, NHIMA K150, Skills Development Levy K75.
Using ZRA's tables in force from 1 January 2026. Worked out by the same engine as SwiftlyPeople's payroll. A guide for one month's pay, not tax advice: your own payslip may differ for reasons this form does not ask about.
Run your whole payroll like thisA monthly salary with no allowances or other deductions, worked out by the same engine as the calculator for November 2026, on ZRA's current tables.
| Monthly salary | Take-home pay | What comes off |
|---|---|---|
| K3,000 | K2,820 |
|
| K5,000 | K4,700 |
|
| K7,500 | K6,530 |
|
| K10,000 | K8,074 |
|
| K15,000 | K10,924 |
|
| K20,000 | K13,774 |
|
| K30,000 | K19,474 |
|
| K50,000 | K31,512.20 |
|
SwiftlyPeople does this sum for every employee each month, then keeps leave to the Employment Code Act, gets the PAYE, NAPSA and NHIMA returns ready and puts each payslip on the employee's phone. Pay in kwacha. Payroll and HR come in one price, with no setup fee.
The figures behind it: Zambia PAYE tax tables · public holidays and leave
In Zambia, SwiftlyPeople is provided and invoiced by
Kingdom Technology Solutions
Registration number 120261040324 · TPIN 2004277902 · A47 Malawi Road, Damview SOS, Chipata, Eastern Province
PAYE is charged on taxable pay using ZRA's bands for the month. PAYE on ZRA's bands. For example, on a monthly salary of K15,000 with no allowances, PAYE is K3,176 and take-home pay is K10,924.
Alongside PAYE, a payslip in Zambia takes NAPSA and NHIMA. The calculator shows each one, and what the employer pays on top.
The calculator uses the tables and rates in force this month. When ZRA changes them, SwiftlyPeople loads the new ones for the calculator and for every company's payroll at the same time.
It uses the same engine as SwiftlyPeople payroll. A real payslip can also include overtime, bonuses, unpaid leave and other deductions, which this calculator leaves out.