How to Check Your NSSF Savings on M-Pesa & Via USSD

Starting February 2026, Kenyan workers will see higher deductions on their payslips as part of the ongoing implementation of the NSSF Act 2013. The increased contributions are designed to strengthen retirement savings.

This comes at a time when proposals are also being discussed to allow Kenyans to access part of their pension savings earlier to cater for urgent financial needs such as school fees and medical bills.

For years, one of the biggest concerns around NSSF has been opaqueness. Many contributors only discovered how much they had accumulated when they approached retirement.

This lack of transparency left workers unsure whether their employers were remitting contributions consistently or whether their savings were growing as expected.

Today, that has changed. Members can now conveniently check their NSSF balances through M-PESA, USSD, and the online portal.

NSSF recently announced an 17% interest rate on member deposits in 2025, making it even more important to track how much you have saved.

Also Read: How Your Salary Will Reduce This Month Over New NSSF Rates

In this guide, we break down the simple steps you can use to check how much you have saved with NSSF.

How to Check NSSF Contributions Via M-Pesa App 

1. Go to the M-Pesa App
2. On the Govt Services,  click NSSF mobile
3. If you are a first-time user, enter your phone number and the OTP that will be sent via SMS. 
4. Once logged in, select Member Services and select Statement
5. Enter the email address where you want the statement sent.
6. Go to your email inbox and access your statement.

How to Check NSSF Savings Via USSD *303#

1. Dial *303# - To access the service, you will need to have sufficient airtime on your phone.
2. A pop up message will appear on the screen. Pick the Member Services option.
3. A second pop-up message will appear, and you will be required to enter your ID number.
4. Enter your PIN (if you have forgotten your PIN, NSSF will send you your pin on SMS).
5. After entering your pin, your contributions will be displayed on the screen, with another SMS sent to your phone. 

In its breakdown, NSSF will detail your standard contributions and the interest your savings have earned.

How to Check NSSF Savings Online 

1. Visit the NSSF website - www.nssf.or.ke
2. Pick the self-service portal 
3. On the left side of the screen, pick the member's contribution statement and enter your username and password. If you have forgotten your passwords, use the forgot password link

Also Read: How Your Net Pay Will Change If Mbadi’s PAYE Cut Proposals Pass

NSSF contributions have risen in recent years following the implementation of the  NSSF Act of  2013, which was introduced to help Kenyans save for their retirement.

The increase in NSSF contributions is part of a long-term strategy to protect retirees from old-age poverty. In 2022, the NSSF fund held Ksh295.6 billion and grew to Ksh558 billion by mid-2025.

Annual contributions jumped from Ksh19.29 billion in 2022 to Ksh83.97 billion by June 2025, with projections expected to exceed Ksh100 billion in 2026.

NSSF Rates Starting February 2026

Kenyans earning a salary of Ksh25,000 will have their NSSF rates retained at Ksh1,500. 

Those earning Ksh30,000 will have their rates maintained at Ksh2,100, while those earning Ksh50,000 have their rates retained at Ksh3,000.

Ksh75,000 earners will have their rates increase from Ksh4,320 to Ksh4,500. 

Likewise, those earning Ksh100,000 will have their rates increased from Ksh4,320 to Ksh6,000. 

Ksh200,000 and Ksh300,000 earners will see their rates increase from Ksh4,320 to Ksh6,480.