How to Survive on Ksh 20,000, Ksh 30,000, Ksh 40,000 or Ksh50,000 salary in Nairobi


In Nairobi most people earn Ksh20,000, Ksh30,000, Ksh40,000 or Ksh 50, 000.The problem is how to survive on this salary yet expenses are many. Even if your salary is less you need to save, eat and invest, which is why you must have a plan. It’s important that you save before you start spending. Fixusjobs will provide a breakdown on how you should spend your salary regardless of the amount so as to satisfy all your needs.

There are important aspects your salary must cover: rent, transport, food, shopping, education and miscellaneous expenses. After catering for those expenses, what remains should be saved or invested.

Here is how to survive with Ksh 20,000 in Nairobi

The first thing to do is to live within your means. With a salary of Ksh 20,000, you need a house of Ksh3,500 in rent per month. You know, a gross pay of Ksh20,000 results to a net salary of Ksh18,000, assuming you don’t have any loans. Once you have paid Ksh3,500 rent, you’ll remain with Ksh 14,500. Negate Ksh 5,000 for shopping, Ksh 3,000 for transport and Ksh1,000 for miscellaneous expenses, you will remain with Ksh 5,000.From Ksh 5,000 you’ll spend Ksh 3,000 for food.Ideally,you will have a  surplus of Ksh 2,000 to save.

If you save Ksh2,000 each month,in one year you’ll have Ksh 24,000.I will advise you to save in the Insurance Unit Trust where your Ksh24,000 will earn you at least Ksh4,000.

How to survive with Ksh 30,0000 salary in Nairobi

If you are earning Ksh 30,000 per month in Nairobi,the ideal house rent should be Ksh 7,000.This is a decent bedsitter or one bedroom house in Kayole,Githurai or in any low income estates. After tax,the Ksh30,000 salary will come to a net salary of Ksh 26,000.After subtracting Ksh 7,000,you’ll remain with Ksh 19,000,then spend Ksh 5,000 for food,Ksh 4,000 for shopping,Ksh 4,000 for transport and Ksh 2,000 for miscellaneous expenses. You will remain with Ksh 4,000 every month. Save the money and in one year,you’ll have Ksh 48,000 in your bank account.

How to survive with Ksh 40,000 and Ksh 50,000 salary in Nairobi

More than 30% of the people living in Nairobi earn between Ksh 40,000 and Ksh 50,000. This is not as bad as when you are earning Ksh 20,000 per month. A salary of Ksh 50,000 will do a lot if it’s spent wisely.

When you are in this salary bracket, make sure you are wise in your spending, otherwise the money will disappear into thin air.

One thing I did not inform you earlier is that when your salary is less you need to cut off luxurious expenses like taking alcohol and going to unnecessary parties. You should also avoid many girlfriends. It’s known that the highest consumer of men’s money is alcohol and women. By avoiding alcohol and women, you run away from half of your problems.

A salary of Ksh 40,000 to Ksh 50,000 require that you look for a house of Ksh 10,000 per month, maximum Ksh 13,000, spend Ksh 5,000 on transport, Ksh 5,000 on food,Ksh 5,000 on shopping,Ksh 3,000 on miscellaneous expenses .After all the expenses make sure your account has Ksh 5,000 to Ksh10,000 for savings.

With a salary of Ksh50,000 you may be tempted to buy a car, that’s suicidal. Owning a car is suitable for a person whose income is more than Ksh100,000 per month, otherwise you’ll struggle all your life.

The worst salary you can earn in Nairobi is Ksh10,000 per month, this is not enough to sustain you unless you have a side hustle. If your monthly salary is above Ksh100,000, you’ll have the most comfortable life in the city