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# JO-TECH Cyber: Digital Services, Calculators & Business Templates

## Sitemaps
[XML Sitemap](https://jotechcyber.co.ke/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [M-Pesa Deposit Commission Chart (2026)](https://jotechcyber.co.ke/blog/m-pesa-deposit-commission-chart/): If you're planning to start an M-Pesa agency, already operate an M-Pesa shop, or simply want to understand how agents earn money, knowing the M-Pesa deposit commission chart is essential.
- [How to Track Passport Status Using Application Tracking Number](https://jotechcyber.co.ke/blog/how-to-track-passport-status-using-application-tracking-number/): If you have applied for or renewed your Kenyan passport and are preparing to travel for work, studies, or holiday, waiting for processing can be stressful. Fortunately, you do not need to keep visiting Nyayo House or regional offices just to check if your passport is ready.
- [Download Kenya Birth Notification Form B1 PDF](https://jotechcyber.co.ke/templates/kenya-birth-notification-form/): Get the official Kenya Birth Notification Form (Form B1) PDF for free download. Learn how to fill it out, requirements for a birth certificate, and what to do if you lost it.
- [How to Increase M-PESA Commission: 5 Proven Tips for Agents](https://jotechcyber.co.ke/blog/how-to-increase-m-pesa-commission/): Running an M-PESA agent business can be highly lucrative, but many sub-agents and shop owners find themselves trapped in a cycle of high transaction volumes with disappointingly low returns. If you want to see a significant bump in your monthly Safaricom payout, you need to look beyond just serving the customers who walk through your door.
- [Rent Receipt Template Google Docs​](https://jotechcyber.co.ke/templates/rent-receipt-template-google-docs/): Download a professional rent receipt template for Google Docs. Easily generate, customize, and print rent receipts for your tenants. Perfect for landlords and property managers.
- [Motorbike Hire Agreement Form (Free Word Template)](https://jotechcyber.co.ke/templates/motorbike-hire-agreement-form/): A motorbike hire agreement form is a legal document between a motorbike owner and a hirer. It outlines the terms of renting a motorbike for a specific period.
- [Driving Licence Classes in Kenya: The Ultimate NTSA Guide](https://jotechcyber.co.ke/blog/driving-licence-classes-in-kenya/): Navigating the roads in Kenya requires more than just skill behind the wheel; it requires the correct legal authorization from the National Transport and Safety Authority (NTSA). With the introduction of the new smart driving licence system, understanding the various driving classes categories is essential for every motorist
- [Kenya Holidays 2026 (Full List: Public, Religious & Observances)](https://jotechcyber.co.ke/holidays/kenya-holidays-2026/): Complete list of Kenya holidays 2026 including public holidays, religious events, regional holidays, and observances.
- [KUCCPS Password Reset Guide](https://jotechcyber.co.ke/blog/kuccps-password-reset/): If you are accessing the portal for the first time, your login credentials follow a specific format. You do not need to create an account.
- [Download Shuttle Receipt Template Word](https://jotechcyber.co.ke/templates/shuttle-receipt-template-word/): A shuttle receipt is a formal document issued by a transport provider to a passenger after payment is made for travel services. It serves as proof of transaction, confirming that the fare was received for a specific route and time.
- [Tenant Notice to Vacate in Kenya (Free Template)](https://jotechcyber.co.ke/templates/tenant-notice-to-vacate/): A Tenant Notice to Vacate is a formal written notice issued by a landlord to a tenant informing them to leave a rental property within a given timeframe.
- [AGPO Registration Requirements in Kenya: A Step-by-Step Guide](https://jotechcyber.co.ke/blog/agpo-registration-requirements/): Here is everything you need to know about AGPO registration requirements in 2026.
- [Download Eulogy Template for Brother [Word Doc]](https://jotechcyber.co.ke/templates/eulogy-template-for-brother/): Losing a brother is one of life’s most painful experiences. Writing a eulogy can feel overwhelming but with the right eulogy template for brother, you can create a heartfelt tribute that truly honors his life.
- [Calculate Car Import Duty in Kenya | Car Import Duty Calculator​](https://jotechcyber.co.ke/calculators/calculate-car-import-duty-in-kenya/): Calculate Kenya car import duty instantly with this Kenya Car Import Duty Calculator. Simply enter Vehicle CRSP (KES), Year of Manufacture, and engine type to get the estimated customs value, total taxable payable and total landed cost in Kenya.
- [NSSF Tier 1 and Tier 2 Rates in Kenya 2026](https://jotechcyber.co.ke/blog/nssf-tier-1-and-tier-2-rates/): If you are looking for the NSSF Tier 1 and Tier 2 rates in Kenya for 2026, this guide explains the new contribution amounts, how they are split between employer and employee, and how to calculate them correctly from salary.
- [Full List of Requirements for HELB Application in Kenya](https://jotechcyber.co.ke/blog/requirements-for-helb-application/): Need help with your HELB application or compliance? Visit us in-person at JO-TECH Cyber or reach out to our experts online.
- [Housing Levy Calculator Kenya 2026](https://jotechcyber.co.ke/calculators/housing-levy-calculator/): Calculate your monthly Housing Levy contributions in Kenya using our Housing Levy Calculator tool.
- [Affordable Housing Levy Rates in Kenya 2026](https://jotechcyber.co.ke/blog/affordable-housing-levy-rates/): If you are looking for the current affordable housing levy rates in Kenya, the rules are now fairly straightforward: most salaried employees pay 1.5%, employers match that with 1.5%, and certain non-salaried income earners also pay 1.5% of gross income under the current law.
- [National Police Pension Calculator](https://jotechcyber.co.ke/calculators/police-pension-calculator/): Estimate your National Police Service (NPS) retirement benefits. Use our Police Pension Calculator to find your 1/3 lump sum and monthly PSSS payout.
- [TSC Pension Calculator](https://jotechcyber.co.ke/calculators/tsc-pension-calculator/): Calculate your TSC pension online with this TSC Pension Calculator software tool. Estimate your 1/3 lump sum (gratuity) and monthly pension under the PSSS rules.
- [SHA Registration: Requirements & Step-by-Step Guide](https://jotechcyber.co.ke/blog/sha-registration/): The transition from NHIF to the Social Health Authority (SHA) is now mandatory for every Kenyan citizen and resident. Whether you are a salaried employee, self-employed, or a student, SHA registration is the only way to access the Social Health Insurance Fund (SHIF) benefits.
- [KRA PIN Registration for Unemployed: Requirements & Guide](https://jotechcyber.co.ke/blog/kra-pin-registration-for-unemployed/): Getting a KRA PIN is a critical step for every Kenyan, even if you do not currently have a job. You need a PIN for essential activities like opening a bank account, applying for a driving license, or accessing the eCitizen portal for government services.
- [KRA Waiver Application Letter: How to Apply Online & Download Template](https://jotechcyber.co.ke/blog/kra-waiver-application-letter/): A KRA waiver application letter helps you formally request the removal of penalties and interest. It is one of the most effective ways to reduce your tax burden legally.
- [Breach of Contract Demand Letter Template (Free Download)](https://jotechcyber.co.ke/templates/breach-of-contract-demand-letter/): To save time, you can use our ready-made breach of contract demand letter template. It is structured in a professional legal format and easy to customize.
- [How to Apply Marriage Certificate Online in Kenya](https://jotechcyber.co.ke/blog/how-to-apply-marriage-certificate/): Applying for a marriage certificate in Kenya is now simple. You can do everything online through the eCitizen portal without long queues.
- [Free Wedding Budget Template Google Sheets](https://jotechcyber.co.ke/templates/wedding-budget-template/): Download our free Wedding Budget Template Google Sheets to organize and track all your wedding expenses.
- [Thank You Message After Attending a Wedding as a Guest](https://jotechcyber.co.ke/blog/thank-you-message-after-attending-a-wedding-as-a-guest/): Sending a thank you message after attending a wedding as a guest is a simple but meaningful gesture. It shows appreciation, strengthens relationships, and leaves a lasting positive impression.
- [Screen Printing Exposure Calculator](https://jotechcyber.co.ke/calculators/screen-printing-exposure-calculator/): Master your darkroom with our free screen printing exposure calculator online. Learn to calibrate UV LED and Halogen burn times using the inverse square law.
- [3D Printing Price Calculator](https://jotechcyber.co.ke/calculators/3d-printing-price-calculator/): Calculating 3D printing costs? Use our 3D Printing Price Calculator to factor in filament weight, electricity rates, and machine time for accurate project quotes.
- [Funeral Cost Calculator](https://jotechcyber.co.ke/calculators/funeral-cost-calculator/): Planning a send-off in Kenya? Use this Funeral Cost Calculator to estimate mortuary fees, casket prices, and transport costs. Budget with dignity and clarity today.
- [Kenya Wedding Budget Calculator](https://jotechcyber.co.ke/calculators/wedding-budget-calculator/): Planning a wedding in Kenya? Use our Wedding Budget Calculator to estimate costs for catering, decor, and photography. Learn the 50/30/20 rule and avoid hidden fees.
- [How to Write a Eulogy: The Ultimate Guide to Honoring a Loved One](https://jotechcyber.co.ke/blog/how-to-write-a-eulogy/): This comprehensive guide is designed to walk you through every stage of the process, from the initial brainstorming of stories to the technical design of the funeral program. Whether you are a family member, a close friend, or a professional at a cyber cafe helping a client, this guide provides the roadmap to creating a tribute that truly honors the deceased.
- [Car Hire Agreement Form (Free Word Template)](https://jotechcyber.co.ke/templates/car-hire-agreement-form/): A car hire agreement form is a legal document between a vehicle owner and a hirer. It outlines the terms of renting a car for a specific period.
- [Download Cyber Cafe Business Plan Template Kenya](https://jotechcyber.co.ke/templates/cyber-cafe-business-plan-template/): A cyber cafe business plan template is a structured document that helps you plan, launch, and manage a cyber cafe business successfully. It outlines every key aspect of the business, including services, target market, operations, and finances.
- [Free Car Sale Receipt Template Word](https://jotechcyber.co.ke/templates/car-sale-receipt-template/): A professional car sale receipt template should include the following sections:
- [Price List Template (Free Download in Word)](https://jotechcyber.co.ke/templates/price-list-template/): A price list template is a pre-designed document that helps businesses display their products or services along with their prices in an organized format.
- [How to Print Passport Size Photos: The Ultimate Guide](https://jotechcyber.co.ke/blog/how-to-print-passport-size-photo/): Printing a passport photo is not as simple as clicking "Print" on a standard image. Because government agencies use biometric facial recognition software, the physical dimensions, paper quality, and color accuracy must be perfect.
- [Computer Security Incident Response Plan Template (Free Download)](https://jotechcyber.co.ke/templates/computer-security-incident-response-plan-template/): Cyber incidents are not a matter of if, but when. Having a Computer Security Incident Response Plan Template ensures your organization is ready to act quickly and effectively.
- [Construction Quotation Template Guide (Free Word Download)](https://jotechcyber.co.ke/templates/construction-quotation/): A construction quotation is a formal document issued by a contractor or construction company. It outlines the estimated cost of a project. It also defines the scope of work, materials, labor, and terms of payment.
- [Sales Commission Calculator](https://jotechcyber.co.ke/calculators/sales-commission-calculator/): Calculate sales commissions for Kenyan real estate, insurance, and retail sectors. Our free sales commission calculator supports flat rates, base salaries, and tiered structures.
- [NPV Calculator (Kenya)](https://jotechcyber.co.ke/calculators/npv-calculator/): Evaluate project profitability with our free NPV Calculator. Instantly calculate Net Present Value using benchmarks. Learn how to discount future cash flows and make smarter investment decisions for your business or property.
- [Markup Calculator (Kenya)](https://jotechcyber.co.ke/calculators/markup-calculator/): Calculate product selling prices easily with our free Kenya Business Markup Calculator. Instantly convert markup to profit margin, calculate gross profit in KES, and set the right prices for your retail or wholesale business.
- [Rental Yield Calculator](https://jotechcyber.co.ke/calculators/rental-yield-calculator/): Calculate your property rental yield in Kenya with our free rental yield calculator. Compare Gross vs. Net yields, factor in management fees, and see if your investment meets the 2% rule.
- [Land Rent Calculator (Kenya)](https://jotechcyber.co.ke/calculators/land-rent-calculator/): Calculate your annual Kenya Land Rent and County Rates easily with our free land rent calculator. Get instant estimates for leasehold rent, farm land rent, and local county rates.
- [Motorbike Lease Agreement Template – Free Word & PDF](https://jotechcyber.co.ke/templates/motorbike-lease-agreement/): A motorbike lease agreement is a legal contract between a motorbike owner (lessor) and a lessee (person using the motorbike). The agreement allows the lessee to use the motorbike for a specific period in exchange for regular payments or lease fees.
- [Motorbike Sales Agreement Template – Free Word & PDF](https://jotechcyber.co.ke/templates/motorbike-sales-agreement/): A motorbike sales agreement (also called a motorcycle sale contract) is a written legal document between a seller and a buyer that outlines the terms of the sale of a motorcycle.
- [Car Lease Agreement Templates – Word & PDF Download](https://jotechcyber.co.ke/templates/car-lease-agreement-template/): A car lease agreement (also called a vehicle lease agreement) is a written contract between the owner of a vehicle (the lessor) and the person who will use it (the lessee).
- [Simple Car Sale Agreement Template](https://jotechcyber.co.ke/templates/car-sale-agreement/): A car sale agreement is a legally binding document between a seller and a buyer that explains the terms and conditions of selling a motor vehicle. It serves as proof of the sale and protects both sides in case of disagreements later.
- [Application Letter for Attachment in Kenya | Free Template](https://jotechcyber.co.ke/templates/application-letter-for-attachment/): An application for attachment is a formal letter written by a student or trainee. It is used to request practical experience in a company or organization. The purpose is to learn and gain hands-on skills in a specific field.
- [M-Pesa Buy Goods Charges Calculator (Till Number Fees)](https://jotechcyber.co.ke/calculators/m-pesa-buy-goods-charges-calculator/): Use our M-Pesa Buy Goods Charges Calculator to quickly estimate the merchant fee charged when customers pay using a Lipa na M-Pesa Till Number.
- [M-Pesa Paybill Charges Calculator](https://jotechcyber.co.ke/calculators/m-pesa-paybill-charges-calculator/): This M-Pesa Paybill Charges Calculator helps you quickly estimate the transaction cost when sending money through Paybill in Kenya. Instead of guessing the fee, simply enter the amount you want to pay and select the applicable tariff model—Mgao, Business, or Customer Bouquet. The calculator will automatically determine the estimated Paybill charge and the total amount you will pay.
- [Kenya Business Startup Cost Calculator​](https://jotechcyber.co.ke/calculators/business-startup-cost-calculator/): Starting a business in Kenya—from a small boutique to a tech firm—requires more than just an idea; it requires a realistic financial roadmap. Most businesses fail not because the idea was bad, but because they ran out of cash before becoming profitable. Our Business Startup Cost Calculator helps you visualize your "One-Time" setup costs versus your "Recurring" monthly bills, giving you a clear picture of the total capital you need to secure before day one.
- [Death Certificate Application Form Kenya](https://jotechcyber.co.ke/templates/death-certificate-application-form/): A death certificate is a critical legal document required for settling estates, claiming insurance, and updating official records in Kenya.
- [Employee Information Sheet Sample Template](https://jotechcyber.co.ke/templates/employee-information-sheet-sample/): An employee information sheet is a structured document used by Human Resources (HR) departments to record important personal, contact, and employment details about an employee.
- [Employee Self Evaluation Form Template](https://jotechcyber.co.ke/templates/employee-self-evaluation-form/): An employee self evaluation form PDF is a standardized document employees complete to assess their own performance, responsibilities, and progress at work.
- [Petty Cash Receipt Template](https://jotechcyber.co.ke/templates/petty-cash-receipt-template/): To make petty cash tracking easier, we have created a petty cash receipt template in Word format that you can download and customize for your organization.
- [Cash Sale Receipt Template (Kenya)](https://jotechcyber.co.ke/templates/cash-sale-receipt-template/): You can download our free, ready-to-use Cash Sale Receipt Template in Microsoft Word format.
- [Free Invoice Template for Kenya (Word Download)](https://jotechcyber.co.ke/templates/free-invoice-template/): To make invoicing easier, you can download our free Invoice Template in Word format. The template is fully editable and can be customized to suit your business.
- [Download Medical Form PDF](https://jotechcyber.co.ke/templates/medical-form-pdf/): A medical form is a document used to gather and record information about a person's health condition, medical history, and personal details.
- [Last Will Template (Kenya) – Download](https://jotechcyber.co.ke/templates/last-will-template/): To help you prepare your will easily, we have created a simple and editable Last Will template suitable for use in Kenya.
- [Scholarship CV Template (Free Word Download)](https://jotechcyber.co.ke/templates/scholarship-cv-template/): To help you prepare a professional application, we have created a free Scholarship CV Template in Word format that you can edit and customize easily.
- [Scholarship Motivation Letter Template](https://jotechcyber.co.ke/templates/scholarship-motivation-letter-template/): A scholarship motivation letter is a formal letter written by a student to explain why they are applying for a particular scholarship. The purpose of this letter is to demonstrate your motivation, academic goals, achievements, and how the scholarship will support your education.
- [Scholarship Thank You Letter Template](https://jotechcyber.co.ke/templates/scholarship-thank-you-letter-template/): A scholarship thank you letter is a formal letter written by a student to thank a donor, foundation, or organization for awarding them a scholarship.
- [Petty Cash Voucher Template for Kenya (Word)](https://jotechcyber.co.ke/templates/petty-cash-voucher-template/): A petty cash voucher is a small document used to record payments made from a company’s petty cash fund. Petty cash is usually kept for minor expenses such as office supplies, transportation, refreshments, or small reimbursements.
- [Independent Contractor Agreement Template](https://jotechcyber.co.ke/templates/independent-contractor-agreement-template/): An independent contractor agreement is a legally binding contract between a company (client) and a self-employed professional (contractor).
- [Letter of Intent for Job Promotion Template + Guide](https://jotechcyber.co.ke/templates/letter-of-intent-for-job-promotion-template/): To make the process easier, you can download our free, professionally formatted Letter of Intent for Job Promotion template in Word format and customize it for your situation.
- [Contractor Non-Disclosure Agreement: Template & Guide](https://jotechcyber.co.ke/templates/contractor-non-disclosure-agreement-template/): When you hire a contractor, protecting your business information is critical. A Contractor Non-Disclosure Agreement (NDA) ensures your confidential data, trade secrets, and intellectual property remain secure.
- [Shareholder Loan Agreement Template + Guide](https://jotechcyber.co.ke/templates/shareholder-loan-agreement-template/): To help you create a legally sound agreement quickly, you can download our free professional Shareholder Loan Agreement template in Word format.
- [Employee Suspension Letter Template](https://jotechcyber.co.ke/templates/employee-suspension-letter-template/): An employee suspension letter is a formal written notice issued by an employer to inform an employee that they are being temporarily removed from their duties.
- [Payroll Deduction Authorization Form Template: Guide + Free Download](https://jotechcyber.co.ke/templates/payroll-deduction-authorization-form/): A payroll deduction authorization form is a written agreement between an employer and an employee that allows the employer to deduct specific amounts from the employee’s wages.
- [Managed IT Services Agreement Template](https://jotechcyber.co.ke/templates/managed-it-services-agreement-template/): To make things easier, we have created a professional, ready-to-edit Managed IT Services Agreement template in Word format. Learn what it includes, why it matters, and customize it for your IT business today.
- [Company Policy Acknowledgement Form – Word Template](https://jotechcyber.co.ke/templates/company-policy-acknowledgement-form/): A Company Policy Acknowledgement Form is a signed document confirming that:
- [Delivery Note Template for Kenya (Word Format)](https://jotechcyber.co.ke/templates/delivery-note-template/): A delivery note is a document sent with goods to confirm what items have been delivered. In Kenya, delivery notes are commonly used by suppliers, distributors, contractors, and service providers to:
- [Freelance Graphic Design Contract Agreement Template](https://jotechcyber.co.ke/templates/freelance-graphic-design-contract-agreement/): A freelance graphic design contract agreement is a legally binding document between a graphic designer and a client that clearly defines the scope of work, payment terms, deadlines, ownership rights, and responsibilities of both parties.
- [Employment Verification Letter Format & Template](https://jotechcyber.co.ke/templates/employment-verification-letter/): An Employment Verification Letter is an official document provided by an employer to verify an individual’s job status, role, and other key employment details when requested by a third party.
- [Job Confirmation Letter Template](https://jotechcyber.co.ke/templates/job-confirmation-letter-template/): A Job Confirmation Letter (also called an Employment Confirmation Letter) is a formal HR document issued by an employer to officially confirm an employee’s status within the company.
- [Workplace Incident Report Form Template](https://jotechcyber.co.ke/templates/workplace-incident-reporting-template/): A Workplace incident report form is a structured document used to record details of an unexpected event that occurs at work. This may include injuries, near misses, property damage, harassment claims, safety violations, or equipment failure.
- [Salary Advance Request Template (Kenya 2026)](https://jotechcyber.co.ke/templates/salary-advance-request-template/): A Salary Advance Request Form is a formal document an employee uses to request early payment of part of their earned salary before the official payday.
- [Termination Letter Template (Kenya 2026)](https://jotechcyber.co.ke/templates/termination-letter-template/): A termination letter template is a pre-formatted document used by an employer to officially notify an employee that their employment is ending.
- [Employment Agreement Form Template](https://jotechcyber.co.ke/templates/employment-agreement-form/): An employment agreement form in Kenya is a written contract between an employer and an employee that outlines the terms and conditions of employment.
- [How to Calculate SHIF Deductions in Kenya 2026](https://jotechcyber.co.ke/blog/how-to-calculate-shif-deductions-in-kenya-2026/): In 2026, SHIF contribution is:
- [Land Size Calculator & Plot Converter – Kenya](https://jotechcyber.co.ke/calculators/land-size-calculator/): Convert 50x100 plots, acres, and hectares instantly with our Kenyan Land Size Calculator. Get accurate m2 measurements.
- [Government Relations Cover Letter Template](https://jotechcyber.co.ke/templates/government-relations-cover-letter/): Looking for a professional Government Relations cover letter to strengthen your job application? Looking for a professional Government Relations cover letter to strengthen your job application? We have provided a sample that provides a clear, structured, and persuasive format you can use when applying for roles in public affairs, policy advocacy, or regulatory engagement.
- [Unique Business Ideas for Tech Starters in Kenya](https://jotechcyber.co.ke/blog/unique-business-ideas/): Kenya has earned the nickname “Silicon Savannah” for a reason. The country leads Africa in mobile money adoption, startup innovation, and digital entrepreneurship. Internet penetration continues to rise. Smartphone access is expanding beyond major towns. Young people are tech-aware and opportunity-driven.
- [KPLC Token Calculator](https://jotechcyber.co.ke/calculators/kplc-token-calculator/): Accurately calculate KPLC tokens for 2026. Get a breakdown of units, VAT, fuel cost, and levies for Lifeline & Ordinary tariffs.
- [How to Get EACC Clearance Certificate in Kenya](https://jotechcyber.co.ke/blog/eacc-clearance-certificate/): A clearance from the Ethics and Anti-Corruption Commission (EACC) is a mandatory requirement for anyone seeking public office or employment in government parastatals under Chapter Six of the Constitution of Kenya.
- [What is C24 in Good Conduct?](https://jotechcyber.co.ke/blog/c24-in-good-conduct/): In the process of applying for a Police Clearance Certificate (commonly known as a Certificate of Good Conduct) in Kenya, the C24 is the most critical form you will handle.
- [The Ultimate Cyber Cafe Equipment List for Kenya](https://jotechcyber.co.ke/blog/cyber-cafe-equipment-list/): To run a high-traffic cyber cafe that efficiently handles eCitizen, KRA, SHA, and NTSA services, you need a mix of reliability and speed. Below is the essential hardware and software breakdown to get your business operational.
- [How to Change eCitizen Phone Number & Email (2026 Guide)](https://jotechcyber.co.ke/blog/how-to-change-ecitizen-phone-number/): Accessing your eCitizen account requires two-step verification. After entering your ID number or email and password, an OTP is sent to your registered phone number or email. If you’ve lost access, this guide explains the official steps to update your phone number or email and regain account access.
- [How to Book Vehicle Inspection in Kenya via NTSA Portal](https://jotechcyber.co.ke/blog/how-to-book-vehicle-inspection/): Before you begin your application, ensure you have the following ready:
- [Requirements for Passport Application in Kenya: 2026 Guide](https://jotechcyber.co.ke/blog/requirements-for-passport-application/): Passport application in Kenya is simple when you follow the right steps.Create an eCitizen account, prepare your documents, pay online, and attend biometric capture.
- [How to Apply for a CRB Certificate Online in Kenya (2026 Guide)](https://jotechcyber.co.ke/blog/crb-certificate-online/): Online CRB certificate application takes 5 to 10 minutes if your details are correct.
- [Business Registration Requirements in Kenya (2026 Guide)](https://jotechcyber.co.ke/blog/business-registration-requirements/): Starting a business in Kenya has never been faster. In 2026, the Business Registration Service (BRS) has fully migrated to the BRS V2 portal on eCitizen. This update has shortened the registration timeline to as little as 48 hours.
- [TSC Number Registration: Requirements & Step-by-Step Guide](https://jotechcyber.co.ke/blog/tsc-number-registration/): Registering for a Teachers Service Commission (TSC) number is the first official step toward a teaching career in Kenya. In 2026, the application process is strictly online. You must have all your documents digitized and ready for upload before starting.
- [Download BOM Meeting Minutes Template](https://jotechcyber.co.ke/templates/bom-meeting-minutes/): Vague or disorganized minutes can lead to audit queries and delays in Ministry of Education funding. Our BOM Meeting Minutes Template is professionally structured to help Headteachers and Board Secretaries capture resolutions accurately, ensuring transparency and legal compliance.
- [Download School Infrastructure Development Plan PDF](https://jotechcyber.co.ke/templates/school-infrastructure-development-plan/): The School Infrastructure Development Plan (SIDP) is a mandatory requirement by the Ministry of Education (MoE) for public schools seeking infrastructure grants.
- [Download Business Partnership Agreement](https://jotechcyber.co.ke/templates/business-partnership-agreement/): Download Business Partnership Agreement for Kenya in Word. Simple PDF & Word templates for SMEs. Covers profit sharing, roles, and dispute resolution."
- [Kenya Monthly Dividend Calculator 2026](https://jotechcyber.co.ke/calculators/monthly-dividend-calculator/): Use our Monthly Dividend Calculator to estimate passive income from NSE stocks, SACCOs, and MMFs. It includes Withholding Tax (WHT) adjustments for accurate financial planning.
- [Income Tax Calculator Kenya 2026](https://jotechcyber.co.ke/calculators/income-tax-calculator/): Calculate your take-home pay with our Income Tax Calculator. Updated with new PAYE tax bands, SHIF deductions, and NSSF Tiered rates. Get an accurate breakdown of your net salary, taxes, and statutory contributions in seconds.

## Pages
- [Free Online Receipt Generator](https://jotechcyber.co.ke/free-online-receipt-generator/): Create professional receipts in seconds with our Free Online Receipt Generator. No signup, no watermarks, fully customizable, and instant download.
- [CBC Graduation Calculator Kenya](https://jotechcyber.co.ke/graduation-calculator/): Our free CBC Graduation Calculator helps learners, parents, and teachers estimate a student's Grade 12 graduation year, years remaining in school, and expected university or TVET entry year.
- [SHA Claim Form Download: Official Guide & How to Fill It](https://jotechcyber.co.ke/sha-claim-form-download/): Are you looking to file a claim with the Social Health Authority (SHA)? You are in the right place. At JO-TECH Cyber, we provide direct access to the official SHA claim form and a step-by-step guide to ensure your claim is processed without delays.
- [Supermarket Receipt Generator](https://jotechcyber.co.ke/supermarket-receipt-generator/): Instantly create, customize, and print supermarket receipts with our free Supermarket Receipt Generator. Features multi-item billing, auto-calculated VAT, , and automated tax compliance fields (CU Serial/Invoice numbers).
- [M-PESA Agent Commission Calculator & Tariffs Table](https://jotechcyber.co.ke/m-pesa-agent-commission-calculator/): Easily check your M-PESA agent commissions for cash deposits and withdrawals. Instantly look up updated rates for all transaction limits up to KES 250,000.
- [Free Car Wash Receipt Generator 2026](https://jotechcyber.co.ke/car-wash-receipt-generator/): Our Car Wash Receipt Generator is a 100% free, browser-based tool that creates professional, print-ready car wash invoices in seconds. It auto-calculates taxes, discounts, and balances, supports thermal printer widths (80mm), exports to PDF via browser print, and requires zero sign-ups or external downloads.
- [Privacy Policy for Kenya Holidays 2026](https://jotechcyber.co.ke/privacy-policy-for-kenya-holidays-2026/): This Privacy Policy describes how the Kenya Holidays 2026 app ("the App") handles your information. Our primary goal is to provide a professional tool for productivity and planning without compromising your privacy.
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- [Free Taxi Cab Receipt Generator | Fare Receipt Maker](https://jotechcyber.co.ke/free-taxi-cab-receipt-generator/): Generate professional, printable taxi cab receipts in seconds. Our free taxi cab receipt maker calculates fares, tips, and tolls instantly. Perfect for drivers, small businesses, and expense tracking. No login required—create, print, and go!
- [Cash Sale Receipt Generator Kenya](https://jotechcyber.co.ke/cash-sale-receipt-generator/): Generate professional cash sale receipts instantly with our free cash sale receipt generator. Customize business details, add items, calculate VAT, and download as PNG or PDF. Perfect for retail shops, wholesalers, and service businesses.
- [Hotel Receipt Generator Kenya](https://jotechcyber.co.ke/hotel-receipt-generator/): Our Hotel Receipt Generator is a developer-grade tool designed specifically for local needs, ensuring you handle VAT (16%), PIN numbers, and A4 printing with zero friction.
- [Date and Time in Kenya Now (Live Nairobi Clock)](https://jotechcyber.co.ke/date-and-time-in-kenya-now/): Looking for the date and time in Kenya now? Our tool shows the exact current time in Nairobi in real time. It uses the official East Africa Time (EAT, UTC+3), so you always get accurate results no matter where you are in the world.
- [Kenya Holiday Today](https://jotechcyber.co.ke/kenya-holiday-today/): Use our Kenya holiday today tool to check if it is a public holiday in Kenya today. Get instant updates on national holidays, upcoming dates, and official Kenyan calendar celebrations.
- [Digital Store](https://jotechcyber.co.ke/store/): Download ready-to-use legal and academic templates at JOTECH Cyber. Get Affidavits for lost passports/certificates, University project samples, and business documents. Pay via M-Pesa for instant download and professional formatting today.
- [HELB Loan Calculator](https://jotechcyber.co.ke/helb-loan-calculator/): Calculate your HELB loan repayment instantly. Estimate monthly installments, total interest, and repayment duration with our HELB Loan calculator for Kenyan students.
- [NSSF Calculator Kenya](https://jotechcyber.co.ke/nssf-calculator/): Use this Kenya NSSF Calculator software tool to calculate Tier I and Tier II contributions with the limits (KES 9,000 Lower Limit & KES 108,000 Upper Limit).
- [16% VAT Calculator: 2026 Tax Rates](https://jotechcyber.co.ke/vat-calculator/): Calculate VAT (16%) instantly. Easily add or remove tax from any price to find the Gross or Net amount using this below VAT Calculator tool.
- [Digital Rubber Stamp Maker: Create Official Stamps Online](https://jotechcyber.co.ke/rubber-stamp-maker/): Create professional digital stamps in seconds with our online rubber stamp generator software tool. Add your business name, P.O. Box, and location with an automated date.
- [Blog](https://jotechcyber.co.ke/blog/): M-Pesa Deposit Commission Chart (2026)If you’re planning to start an M-Pesa agency, already operate an M-Pesa shop, or simply...Read MoreHow to Track Passport Status Using Application Tracking NumberIf you have applied for or renewed your Kenyan passport and are preparing to travel...Read MoreSHA Registration: Requirements & Step-by-Step GuideThe transition from NHIF to the Social Health Authority (SHA) is now mandatory for every...Read MoreHow to Increase M-PESA Commission: 5 Proven Tips for AgentsRunning an M-PESA agent business can be highly lucrative, but many sub-agents and shop owners...Read MoreDriving Licence Classes in Kenya: The Ultimate NTSA GuideNavigating the roads in Kenya requires more than just skill behind the wheel; it requires...Read MoreKUCCPS Password Reset GuideHow to Login to KUCCPS for the First Time If you are accessing the portal...Read MoreAGPO Registration Requirements in Kenya: A Step-by-Step GuideIf you are a youth, woman, or a person living with a disability (PWD) in...Read MoreNSSF Tier 1 and Tier 2 Rates in Kenya 2026If you are looking for the NSSF Tier 1 and Tier 2 rates in Kenya...Read MoreFull List of Requirements for HELB Application in KenyaWhen you need to apply for HELB for the first time via the HEF portal...Read MoreAffordable Housing Levy Rates in Kenya 2026If you are looking for the current affordable housing levy rates in Kenya, the rules...Read MoreHow to Register for NPS/KPS Medical Scheme & Add DependantsThe National Police Service (NPS) and Kenya Prisons Service (KPS) Medical Scheme provides comprehensive health...Read MoreTSC Number Registration: Requirements & Step-by-Step GuideRegistering for a Teachers Service Commission (TSC) number is the first official step toward a...Read More1234
- [Kenya Passport Size Photo Maker](https://jotechcyber.co.ke/passport-size-photo-maker/): Use our free Passport Maker tool to make passport size photo online free. Get the correct passport size photo dimensions (500x500px or 2x2) in high-quality JPG with a white background.
- [Free Fixed Asset Register Template (Online Asset Tracking Tool)](https://jotechcyber.co.ke/fixed-asset-register/): Our Fixed Asset Register template below provides a simple way to record and manage asset information directly in your browser. It is easy to use and requires no software installation.
- [Professional CV Writing Services](https://jotechcyber.co.ke/cv-writing-services/): Affordable, ATS-friendly CV writing services in Kenya. Get a professional resume, cover letter, or CV revamp from KES 500. 48-hour delivery. Order today and receive your final documents via email, WhatsApp, or in person at JO-TECH Cyber.
- [ATS-Friendly CV Builder](https://jotechcyber.co.ke/cv-builder/): Create a professional, ATS-friendly CV in minutes with our free CV Builder.
- [Tech Brand Name Generator](https://jotechcyber.co.ke/tech-brand-name-generator/): Our Unique Tech Brand Name Generator helps you create modern, creative, and professional technology brand names in seconds.
- [QR Code Scanner](https://jotechcyber.co.ke/qr-code-scanner/): Scan QR codes instantly with our fast, secure, and free QR Code Scanner web app. No downloads required—simply upload or use your camera to decode QR codes online in seconds.
- [Weeks ⇄ Days Chrome Extension: Privacy](https://jotechcyber.co.ke/weeks-%e2%87%84-days-chrome-extension/): 1. IntroductionWeeks ⇄ Days Converter (“we”, “our”, “the Extension”) respects your privacy. This Privacy Policy explains how we handle any data when you use our extension.
- [Best QR Code Generator](https://jotechcyber.co.ke/qr-code-generator/): Generate Static QR Codes with our best QR Code Generator tool.
- [Online Generator Tools](https://jotechcyber.co.ke/online-generator-tools/): Professional documents shouldn't take hours to create. Use our suite of Free Online Generators to create high-quality, standard business assets instantly.
- [Templates](https://jotechcyber.co.ke/templates/): At JO-TECH Cyber, we’ve engineered a library of high-quality, ready-to-use templates designed to streamline your business, legal, and academic workflows.
- [Web Tools & Calculators](https://jotechcyber.co.ke/calculators/): Fast, private, and precise web utilities engineered for local business tracking, transaction calculations, and statutory compliance.
- [Kenya P9 Form Generator](https://jotechcyber.co.ke/p9-form-generator/): This P9 Form Generator helps HR managers and employers create accurate P9 forms quickly so employees can file their tax returns on time.
- [Kenya Invoice Generator 2026](https://jotechcyber.co.ke/invoice-generator/): Create clean, professional A5 invoices for your business using our free Invoice Generator. It is built for businesses and supports KRA PIN details, M-PESA payment information, and automatic VAT calculations, so you don’t have to do the math yourself.
- [Exam Countdown Timer Extension – Privacy Policy](https://jotechcyber.co.ke/exam-countdown-timer-extension/): Exam Countdown Timer is a simple and distraction-free Chrome extension that helps students stay aware of upcoming exams by displaying a live countdown right from the browser toolbar.
- [Jozam Chahenza, IT Specialist](https://jotechcyber.co.ke/jozam-chahenza/): IT Support Professional holding a Diploma in Information Technology. Leveraging technical background to provide high-impact digital solutions for individuals and businesses. Whether you need a robust web application or a perfectly formatted legal document, I deliver precision and professionalism.
- [Kenya Payslip Generator 2026](https://jotechcyber.co.ke/payslip-generator/): Our online Payslip Generator enables Kenya employers, schools, HR teams, and institutions to create professional, KRA-compliant payslips in seconds.
- [Buy Goods Till Number Sticker Maker](https://jotechcyber.co.ke/buy-goods-till-number-sticker-maker/): Create custom M-PESA Buy Goods Till Number stickers instantly. Add your business name and till number to professional designs for free.
- [Lipa Na Pochi Sticker Maker](https://jotechcyber.co.ke/lipa-na-pochi-sticker-maker/): Create custom Lipa Na Pochi stickers for your business instantly. Add your M-PESA number and name to professional designs.
- [KRA Penalty Calculator](https://jotechcyber.co.ke/kra-penalty-calculator/): Calculate your KRA late filing fees and interest with the KRA Penalty Calculator. Master the KES 2,000 individual fine, the 5% VAT penalty, and the 1% compounding monthly interest rules on iTax.
- [Kenya SHIF Deductions Calculator 2026](https://jotechcyber.co.ke/shif-calculator/): Free Kenya SHIF Calculator. Calculate your Social Health Insurance Fund deduction at the flat 2.75% rate with the KES 300 minimum. Accurate, updated, and SHA-compliant for monthly payroll.
- [Net Pay Calculator (2026)](https://jotechcyber.co.ke/net-pay-calculator/): Free Kenya Net Pay Calculator (Updated 2026). Calculate your net salary instantly with the latest KRA tax bands, NSSF Tier I & II, SHIF (2.75%), and Housing Levy (1.5%). Accurate, tax-compliant, and easy to use.
- [Contact](https://jotechcyber.co.ke/contact/): Need assistance? Visit JO-TECH Cyber or get in touch by filling out the form below. Fast, reliable support is always ready to help.
- [About Us](https://jotechcyber.co.ke/about-us/): Located in the heart of Mbale Town, Kenya, JO-TECH Cyber is more than just an internet cafe — we are your Digital Success Hub. We understand that in today’s fast-paced world, digital tasks can be overwhelming. Whether it’s filing your KRA returns, applying for e-Citizen services, or crafting a professional business proposal, we provide the tools and the expertise to get it done right.
- [Services](https://jotechcyber.co.ke/services/): At JO-TECH Cyber, we bridge the gap between technology and your daily needs. From essential document processing to complex government portal navigation, our experts ensure your tasks are handled with precision and speed.
- [Terms and Conditions](https://jotechcyber.co.ke/terms-and-conditions/): Welcome to JO-TECH Cyber. By accessing or using our services, you agree to comply with and be bound by the following Terms and Conditions.
- [Disclaimer](https://jotechcyber.co.ke/disclaimer/): JO-TECH Cyber provides assistance with online services and document processing. We are not a government agency.
- [Professional Cyber Services](https://jotechcyber.co.ke/): At JO-TECH Cyber, we are more than just a cyber cafe. We are a comprehensive digital service provider supporting individuals, students, and SMEs in Kenya and around the world.
- [Privacy Policy](https://jotechcyber.co.ke/privacy-policy/): At JO-TECH Cyber, accessible from jotechcyber.co.ke, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains the types of information that are collected and recorded by our website and how we use it.