Tanzania finance guides
Clear explanations of Tanzania’s tax and payroll rules, each with a working calculator so you can see the numbers for yourself.
How Tanzania PAYE is Calculated
How Tanzania PAYE works: the 2026 tax bands, the 270,000 TZS tax-free threshold and a worked example of your take-home pay.
What Does It Cost to Employ Someone in Tanzania?
What it really costs to employ someone in Tanzania: NSSF (10%), SDL (3.5%) and WCF (0.5%) add about 14% to salary — see the true cost.
NSSF vs PSSSF Explained
NSSF (private, 10% + 10%) vs PSSSF (public, 15% + 5%) in Tanzania — both 20% of salary but with different splits and benefits. See the difference.
Tanzania Mobile Money Fees Explained
How Tanzania mobile-money fees work: the tax-inclusive tariff and the withdrawal levy — with worked examples for M-Pesa, Airtel, Mixx, T-Pesa and HaloPesa.
Tanzania SDL and WCF Explained
What Tanzania's Skills Development Levy (3.5%) and Workers Compensation Fund (0.5%) are, who pays them and when — with a free employer calculator.
USD to TZS: What the Exchange Rate Means
What the USD to TZS exchange rate means, how it's set, and how to convert US Dollars to Tanzanian Shillings — with a live converter.
Tanzania VAT Explained (18%)
How Tanzania's 18% Value Added Tax works: adding VAT to a price, removing it, and when it applies — with a free VAT calculator.
Tanzania HESLB Student Loan Deduction Explained
How the Tanzania HESLB 15% student loan deduction works: who it applies to, how much is taken from salary, and how to calculate your repayment.
Understanding Your Tanzanian Payslip
How to read a Tanzanian payslip: gross vs take-home pay, NSSF and PSSSF pension deductions, PAYE tax and employer contributions — explained simply.
UTT AMIS Investments Explained
How UTT AMIS unit trusts work: the funds UTT offers, their indicative returns, monthly compounding and what to check before you invest.
Flat Rate vs Reducing Balance: Loan Interest
A flat-rate loan and a reducing-balance loan cost very different amounts at the same quoted rate. See the maths, with worked examples in Tanzanian shillings.
Getting a Mortgage in Tanzania: Real Costs
What a mortgage really costs in Tanzania: the deposit, stamp duty, legal fees and registration you pay upfront, and how the term changes the interest you pay.
VICOBA and SACCOS Group Loan Interest
How VICOBA and SACCOS lending works in Tanzania: shares, the social fund, three to six month loans, monthly interest and how the year-end payout is shared out.
What a Unit of Electricity Costs in Tanzania
What electricity costs in Tanzania: the average domestic rate per kWh, what common appliances cost to run each month, and how to check a LUKU meter reading.
Service Levy in Tanzania: the 0.25% Turnover Tax
The service levy is 0.25% of net turnover, paid quarterly to the local authority since July 2025: what it covers and how to work it out.
Presumptive Tax in Tanzania for Small Traders
How Tanzania's presumptive tax works for individual traders: the turnover bands, the flat transport rates, and the 12-month relief for a new business.
Withholding Tax in Tanzania: Rates and Rules
Tanzanian withholding tax by payment type: rent, dividends, interest, royalties and service fees, with the resident and non-resident rates and who remits.
Registering a Vehicle in Tanzania
What it costs to register a vehicle in Tanzania: the 250,000 registration tax, licence fees by engine capacity, the HIV Response Levy and transfer fees.
NHIF Contributions in Tanzania: the 3% + 3%
The Tanzanian health insurance contribution is 3% of salary from the employee and 3% from the employer, with no ceiling — who contributes, and who does not.
Stamp Duty and Capital Gains Tax in Tanzania
The taxes on a Tanzanian property transaction: stamp duty on the conveyance, capital gains tax for the seller, and the TRA certificate the Registrar requires.
Depreciation Methods and Tanzania Tax Classes
How depreciation works by straight line, declining balance and sum of years digits, and the class rates Tanzania sets for the tax allowance.
How Gaming Tax Works for Tanzania Operators
How Tanzania taxes gaming operators in 2026: the 25% sports-betting GGR rate, the 18% casino rate, slot machine tax and the returns due each month.
Gaming Licence Fees in Tanzania
What a Tanzanian gaming licence costs in 2026: application and annual fees, regional rates, per-machine levies and the tenure of each licence type.
How Betting Winnings Are Taxed in Tanzania
What Tanzania withholds from betting winnings in 2026: the 15% rate, net winnings, the old 12%/13% rates and why the 5% stake tax never happened.