{"id":3089,"date":"2025-09-18T10:41:44","date_gmt":"2025-09-18T07:41:44","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=3089"},"modified":"2026-02-09T16:03:03","modified_gmt":"2026-02-09T13:03:03","slug":"best-annuity-calculator-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/","title":{"rendered":"Your Free Annuity Calculator in Kenya (2026)"},"content":{"rendered":"\n<p>Thinking about an annuity and want to see the cash flow before you commit? Our free annuity calculator in Kenya allows you to model escalating payments (e.g., +3% per year) over 5, 10, 15, or 20 years, with monthly, quarterly, or annual frequency options. Decide faster, compare options, and download results as a CSV or PDF file, then request a personalised quote.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a0c6b0dbf18b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a0c6b0dbf18b\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Why_our_free_annuity_calculator_in_Kenya_stands_out\" >Why our free annuity calculator in Kenya stands out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#How_to_use_our_free_annuity_calculator_in_Kenya_3_quick_steps\" >How to use our free annuity calculator in Kenya (3 quick steps)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Annuity_Projection_Calculator_with_Annual_Escalation\" >Annuity Projection Calculator (with Annual Escalation)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Key_Result\" >Key Result<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Totals\" >Totals<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Status\" >Status<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Annuity_Projection_Summary\" >Annuity Projection Summary<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#What_the_results_mean_plain_English\" >What the results mean (plain English)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Worked_example_illustrative\" >Worked example (illustrative)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#When_an_escalating_annuity_in_Kenya_fits\" >When an escalating annuity in Kenya fits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Practical_planning_tips\" >Practical planning tips<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#What_is_P%E2%82%81\" >What is P\u2081?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Does_the_annuity_calculator_in_Kenya_include_fees_or_tax\" >Does the annuity calculator in Kenya include fees or tax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Can_I_export_my_schedule\" >Can I export my schedule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Monthly_vs_quarterly_vs_annual_what_is_the_best_annuity_withdrawal\" >Monthly vs. quarterly vs. annual, what is the best annuity withdrawal?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Get_a_personalised_illustration\" >Get a personalised illustration<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/#Important_Disclaimer\" >Important Disclaimer<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_our_free_annuity_calculator_in_Kenya_stands_out\"><\/span><strong>Why our free annuity calculator in Kenya stands out<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Escalation built in<\/strong><br>Model real-world increases to keep income aligned with inflation.<\/li>\n\n\n\n<li><strong>Two ways to plan<\/strong>\n<ul class=\"wp-block-list\">\n<li><em>Solve the Initial Income<\/em> from a <strong>purchase price<\/strong><\/li>\n\n\n\n<li><em>Solve Purchase Price<\/em> from a <strong>target initial income (P\u2081)<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Clear schedule<\/strong><br>See <strong>per-period income<\/strong>, <strong>PV factor<\/strong>, <strong>PV of each year<\/strong>, and <strong>totals<\/strong>.<\/li>\n\n\n\n<li><strong>Frequency flexibility<\/strong><br>Monthly\/quarterly\/annual options in the annuity calculator in Kenya for better budgeting alignment.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_use_our_free_annuity_calculator_in_Kenya_3_quick_steps\"><\/span><strong>How to use our free annuity calculator in Kenya (3 quick steps)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choose your mode<\/strong>\n<ul class=\"wp-block-list\">\n<li>Use <em>Solve Initial Income<\/em> if you already know the lump sum.<\/li>\n\n\n\n<li>Use <em>Solve Purchase Price<\/em> if you know your desired first-year income (P\u2081).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Set your inputs<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Term<\/strong>: 5, 10, 15, 20 years<\/li>\n\n\n\n<li><strong>Payment frequency<\/strong>: monthly\/quarterly \/ annually<\/li>\n\n\n\n<li><strong>Escalation (g%)<\/strong>: annual increase (e.g., 3%)<\/li>\n\n\n\n<li><strong>Discount rate (r%)<\/strong>: your valuation\/required return<\/li>\n\n\n\n<li><strong>Purchase Price (KES)<\/strong> <em>or<\/em> <strong>Target Initial Annual Income (KES)<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Review your outputs<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Key Result<\/strong>: either <strong>Initial Annual Income (P\u2081)<\/strong> or <strong>Required Purchase Price<\/strong><\/li>\n\n\n\n<li><strong>Totals<\/strong>: nominal sum and present value<\/li>\n\n\n\n<li><strong>Year-by-year schedule<\/strong> with download options<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Tip: Start with typical assumptions\u2014g = 3%, r = 9%\u2014then adjust to see sensitivity.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<!-- Amssurity | Annuity Projection Calculator (Escalation, Term 5\/10\/15\/20) -->\n<section id=\"amss-annuity-calc\" aria-label=\"Amssurity Annuity Projection Calculator\">\n  <style>\n    \/* ===== Scope to this wrapper only ===== *\/\n    #amss-annuity-calc { \n      --blue:#004AB4; \n      --gold:#D4AF37; \n      --ink:#0f172a; \n      --muted:#475569; \n      --ring:rgba(0,0,0,.08);\n      --bg:#ffffff;\n      font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; \n      color: var(--ink);\n      background:var(--bg);\n    }\n    #amss-annuity-calc, #amss-annuity-calc * { box-sizing:border-box; }\n\n    #amss-annuity-calc .wrap{max-width:1100px;margin:1.25rem auto;padding:0 1rem}\n    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.cta-btn.gold{background:var(--gold);border-color:var(--gold);color:#000}\n    #amss-annuity-calc .muted{font-size:.82rem;color:var(--muted)}\n\n    \/* Consent layout: checkbox centered; text below, justified & centered as a block *\/\n    #amss-annuity-calc .consent{\n      display:flex; flex-direction:column; align-items:center; gap:.5rem; margin-top:.25rem; line-height:1.45;\n    }\n    #amss-annuity-calc .consent input{ width:1.1rem; height:1.1rem; }\n    #amss-annuity-calc .consent .consent-text{\n      display:block; width:100%; max-width:720px; margin:0 auto;\n      text-align:justify; text-justify:inter-word; text-align-last:center; -moz-text-align-last:center; hyphens:auto; -webkit-hyphens:auto;\n    }\n    #amss-annuity-calc #consent-label{\n      display:block; width:100%; max-width:720px; margin:0 auto .25rem;\n      text-align:justify; text-justify:inter-word; text-align-last:center; -moz-text-align-last:center;\n    }\n\n    @media print{ #amss-annuity-calc .panel{box-shadow:none;border-color:#e5e7eb} }\n    @media (max-width: 900px){ #amss-annuity-calc .field{grid-column:span 12} #amss-annuity-calc .card{grid-column:span 12} }\n    #amss-annuity-calc #result-line{font-size:1.15rem;font-weight:800}\n    #amss-annuity-calc #totals{font-size:1.15rem;font-weight:800}\n  <\/style>\n\n  <div class=\"wrap\">\n    <h2><span class=\"ez-toc-section\" id=\"Annuity_Projection_Calculator_with_Annual_Escalation\"><\/span>Annuity Projection Calculator (with Annual Escalation)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"layout\">\n      <!-- Main calculator -->\n      <div class=\"panel\" id=\"calc-panel\">\n        <div class=\"grid\">\n          <div class=\"field\">\n            <label>Mode<\/label>\n            <select id=\"mode\">\n              <option value=\"solve-income\">Solve Initial Income from Purchase Price<\/option>\n              <option value=\"solve-pv\">Solve Required Purchase Price from Target Income<\/option>\n            <\/select>\n          <\/div>\n          <div class=\"field\">\n            <label>Term (years)<\/label>\n            <select id=\"term\">\n              <option>5<\/option>\n              <option selected>10<\/option>\n              <option>15<\/option>\n              <option>20<\/option>\n            <\/select>\n          <\/div>\n          <div class=\"field\">\n            <label>Payment Frequency<\/label>\n            <select id=\"freq\">\n              <option selected>Monthly<\/option>\n              <option>Quarterly<\/option>\n              <option>Annually<\/option>\n            <\/select>\n          <\/div>\n          <div class=\"field\">\n            <label>Annual Escalation g (%)<\/label>\n            <input id=\"g\" type=\"number\" step=\"0.01\" value=\"3\">\n          <\/div>\n          <div class=\"field\">\n            <label>Discount Rate r (%)<\/label>\n            <input id=\"r\" type=\"number\" step=\"0.01\" value=\"9\">\n          <\/div>\n          <div class=\"field\" id=\"pv-wrap\">\n            <label>Purchase Price (KES)<\/label>\n            <input id=\"pv\" type=\"number\" step=\"1\" value=\"1000000\">\n          <\/div>\n          <div class=\"field\" id=\"p1-wrap\" style=\"display:none\">\n            <label>Target Initial Annual Income (KES)<\/label>\n            <input id=\"p1target\" type=\"number\" step=\"1\" value=\"0\">\n          <\/div>\n        <\/div>\n\n        <div class=\"row\" style=\"margin-top:.8rem\">\n          <button class=\"btn primary\" id=\"calc\">Calculate<\/button>\n          <button class=\"btn\" id=\"csv\">Download CSV<\/button>\n          <button class=\"btn gold\" id=\"pdf\">Download PDF<\/button>\n          <span class=\"note\">Escalation applies on each anniversary. Within a year, payments are equal by frequency.<\/span>\n        <\/div>\n\n        <div class=\"cards\">\n          <div class=\"card\">\n            <h2><span class=\"ez-toc-section\" id=\"Key_Result\"><\/span>Key Result<span class=\"ez-toc-section-end\"><\/span><\/h2>\n            <div id=\"result-line\" class=\"badge\">\u2014<\/div>\n            <div id=\"result-detail\" class=\"note\" style=\"margin-top:.4rem\"><\/div>\n          <\/div>\n          <div class=\"card\">\n            <h2><span class=\"ez-toc-section\" id=\"Totals\"><\/span>Totals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n            <div id=\"totals\" class=\"note\">\u2014<\/div>\n          <\/div>\n          <div class=\"card\" style=\"grid-column:span 12\">\n            <h4><span class=\"ez-toc-section\" id=\"Status\"><\/span>Status<span class=\"ez-toc-section-end\"><\/span><\/h4>\n            <div id=\"calc-status\" class=\"note\">Ready.<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"scroll\">\n          <table id=\"sched\">\n            <thead>\n              <tr>\n                <th>Year<\/th>\n                <th>Annual Payment (KES)<\/th>\n                <th>Per-Period Payment<\/th>\n                <th>PV Factor<\/th>\n                <th>PV of Annual Payment<\/th>\n                <th>Cumulative Paid<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody><\/tbody>\n          <\/table>\n        <\/div>\n\n        <p class=\"note\" style=\"margin-top:10px\"><strong>Disclaimer:<\/strong> This calculator provides illustrative projections only and does not constitute a quote, offer, or advice. Actual annuity terms, charges, taxes, and guarantees depend on insurer product wording and underwriting at time of purchase. Assumptions: end-of-year discounting, annual escalation on anniversaries, level payments within year by frequency. Please request a personalised illustration.<\/p>\n      <\/div>\n\n      <!-- Request a Quote (AFTER the calculator) -->\n      <div class=\"panel quote-panel\" id=\"quote-panel\">\n        <div class=\"quote-head\">\n          <img decoding=\"async\" class=\"quote-logo\" id=\"amss-logo\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/06\/Amssurity-Insurance-Agency-Logo.png\" alt=\"Amssurity logo\" onerror=\"this.style.display='none'\"\/>\n          <div>\n            <div style=\"font-weight:800;color:var(--blue)\">Request a Quote<\/div>\n            <div class=\"muted\">Fast response \u2022 WhatsApp or Email<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"grid\" style=\"grid-template-columns:1fr;gap:10px\">\n          <div class=\"field\" style=\"grid-column:1\/-1\">\n            <label>Name<\/label>\n            <input id=\"rq-name\" type=\"text\" placeholder=\"Your full name\">\n          <\/div>\n          <div class=\"field\" style=\"grid-column:1\/-1\">\n            <label>Phone (WhatsApp)<\/label>\n            <input id=\"rq-phone\" type=\"tel\" placeholder=\"e.g., 07xx... or +254...\">\n          <\/div>\n          <div class=\"field\" style=\"grid-column:1\/-1\">\n            <label>Email<\/label>\n            <input id=\"rq-email\" type=\"email\" placeholder=\"you@example.com\">\n          <\/div>\n          <div class=\"field\" style=\"grid-column:1\/-1\">\n            <label id=\"consent-label\">Consent<\/label>\n            <div class=\"consent\" role=\"group\" aria-labelledby=\"consent-label\">\n              <input id=\"rq-consent\" type=\"checkbox\" aria-label=\"Consent to be contacted\">\n              <span class=\"muted consent-text\">\n                I agree to be contacted about this annuity quote and related options.\n              <\/span>\n            <\/div>\n          <\/div>\n          <a id=\"wa-btn\" class=\"cta-btn\" href=\"#\">Send on WhatsApp<\/a>\n          <a id=\"crm-btn\" class=\"cta-btn gold\" href=\"#\">Submit to CRM<\/a>\n          <div class=\"muted\">Contacts: info@amssurity.co.ke \u2022 0762 065 500 \/ 0725 068 537<\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <script>\n    window.addEventListener('DOMContentLoaded', function(){\n      (function(){\n        const root = document.getElementById('amss-annuity-calc');\n        if(!root) return;\n\n        const $ = (id)=>document.getElementById(id);\n        const fmt = (n)=> (isFinite(n)? n.toLocaleString(undefined,{maximumFractionDigits:0}) : '\u2014');\n        const pct = (x)=> (100*x).toFixed(2)+'%';\n        const esc = (s)=> String(s).replace(\/&\/g,'&amp;').replace(\/<\/g,'&lt;').replace(\/>\/g,'&gt;').replace(\/\"\/g,'&quot;').replace(\/'\/g,'&#39;');\n\n        \/\/ Robust number parser\n        function toNum(v){\n          if(typeof v === 'number') return v;\n          if(v == null) return NaN;\n          let s = String(v).trim();\n          s = s.split(',').join('').split('KES').join('').split('KSh').join('').split('ksh').join('').split('Sh').join('').split(' ').join('');\n          let out = '';\n          for(const ch of s){ if((ch>='0' && ch<='9') || ch==='.' || ch==='-'){ out+=ch; } }\n          return out? Number(out) : NaN;\n        }\n\n        const modeEl = $('mode'), termEl = $('term'), freqEl = $('freq'), gEl=$('g'), rEl=$('r'), pvEl=$('pv'), p1El=$('p1target'), statusEl=$('calc-status');\n        const pvWrap = $('pv-wrap'), p1Wrap=$('p1-wrap');\n        modeEl.addEventListener('change', ()=>{ const m = modeEl.value; pvWrap.style.display = (m==='solve-income')? 'block':'none'; p1Wrap.style.display = (m==='solve-pv')? 'block':'none'; });\n\n        function paymentsPerYear(freq){ return freq==='Monthly'?12: (freq==='Quarterly'?4:1); }\n        function solveP1FromPV(PV, r, g, n){ return Math.abs(r-g)<1e-9? PV\/n : PV*(r-g)\/(1 - Math.pow((1+g)\/(1+r), n)); }\n        function solvePVFromP1(P1, r, g, n){ return Math.abs(r-g)<1e-9? P1*n : P1*(1 - Math.pow((1+g)\/(1+r), n))\/(r-g); }\n\n        function build(){\n          try{\n            const n = Number(termEl.value);\n            const freq = String(freqEl.value);\n            const g = toNum(gEl.value)\/100;\n            const r = toNum(rEl.value)\/100;\n            const ppy = paymentsPerYear(freq);\n\n            let P1, PV;\n            if (modeEl.value==='solve-income'){\n              PV = toNum(pvEl.value);\n              if(!isFinite(PV) || PV <= 0) throw new Error('Enter a valid purchase price (KES).');\n              P1 = solveP1FromPV(PV, r, g, n);\n            } else {\n              P1 = toNum(p1El.value);\n              if(!isFinite(P1) || P1 <= 0) throw new Error('Enter a valid target initial annual income.');\n              PV = solvePVFromP1(P1, r, g, n);\n            }\n            if(!isFinite(r) || !isFinite(g)) throw new Error('Enter valid rates (r and g).');\n\n            const perPeriodY1 = P1\/ppy;\n\n            const tbody = document.querySelector('#sched tbody');\n            tbody.innerHTML = '';\n            let cum = 0, pvSum = 0;\n            for (let y=1; y<=n; y++){\n              const annual = P1*Math.pow(1+g, y-1);\n              const perPeriod = annual\/ppy;\n              const pvf = 1\/Math.pow(1+r, y);\n              const pvAmt = annual*pvf; cum += annual; pvSum += pvAmt;\n              const tr = document.createElement('tr');\n              tr.innerHTML = '<td>'+y+'<\/td>'+\n                '<td>'+fmt(annual)+'<\/td>'+\n                '<td>'+fmt(perPeriod)+' \/ '+esc(freq.slice(0,1).toLowerCase())+'<\/td>'+\n                '<td>'+pct(pvf)+'<\/td>'+\n                '<td>'+fmt(pvAmt)+'<\/td>'+\n                '<td>'+fmt(cum)+'<\/td>';\n              tbody.appendChild(tr);\n            }\n\n            const resultLine = document.getElementById('result-line');\n            const resultDetail = document.getElementById('result-detail');\n            if (modeEl.value==='solve-income'){\n              resultLine.textContent = 'Initial Annual Income P\u2081: KES '+fmt(P1)+' (\u2248 '+fmt(perPeriodY1)+' '+freq.toLowerCase()+')';\n              resultDetail.textContent = 'Purchase price KES '+fmt(PV)+', r '+pct(r)+', g '+pct(g)+', term '+n+' yrs.';\n            } else {\n              resultLine.textContent = 'Required Purchase Price: KES '+fmt(PV);\n              resultDetail.textContent = 'Target P\u2081 KES '+fmt(P1)+' (\u2248 '+fmt(perPeriodY1)+' '+freq.toLowerCase()+'), r '+pct(r)+', g '+pct(g)+', term '+n+' yrs.';\n            }\n            document.getElementById('totals').textContent = 'Total nominal payments '+n+' yrs: KES '+fmt(cum)+' | PV of payments: KES '+fmt(pvSum);\n            if(statusEl) statusEl.textContent = 'Calculated successfully.';\n\n            return {n, freq, g, r, ppy, P1, PV, perPeriodY1, cum, pvSum};\n          }catch(e){ if(statusEl) statusEl.textContent = '\u26a0\ufe0f '+e.message; return null; }\n        }\n\n        \/* ---------- Shared WhatsApp message (used by calculator, PDF, CSV) ---------- *\/\n        function buildWAMessage(state){\n          const name = ($('rq-name').value || '').trim();\n          const phone = ($('rq-phone').value || '').trim();\n          const email = ($('rq-email').value || '').trim();\n          const keyLine = (modeEl.value==='solve-income'\n                           ? ('P1 '+Math.round(state.P1))\n                           : ('PV '+Math.round(state.PV)))+' KES';\n          const lines = [\n            'Hi Amssurity! Please review my annuity projection.',\n            'Name: '+(name || '\u2014'),\n            'Phone: '+(phone || '\u2014'),\n            'Email: '+(email || '\u2014'),\n            'Term: '+state.n+' yrs, Freq: '+state.freq+', r: '+(state.r*100).toFixed(2)+'%, g: '+(state.g*100).toFixed(2)+'%',\n            'Key: '+keyLine\n          ];\n          return lines.join('\\n');\n        }\n        function buildWAUrl(state){\n          return 'https:\/\/wa.me\/254762065500?text='+encodeURIComponent(buildWAMessage(state));\n        }\n\n        \/* CSV builder with branding + client details + WA link *\/\n        function makeCSV(state){\n          const name = ($('rq-name').value || '').trim();\n          const phone = ($('rq-phone').value || '').trim();\n          const email = ($('rq-email').value || '').trim();\n          const logoEl = document.getElementById('amss-logo');\n          const logo = (logoEl && logoEl.src) ? logoEl.src : '';\n          const waLink = buildWAUrl(state);\n\n          const rows = [];\n          \/\/ Branding header\n          rows.push(['Amssurity Insurance Agency']);\n          if (logo) rows.push(['Logo', logo]);\n          rows.push(['Generated', new Date().toLocaleString()]);\n          rows.push(['WhatsApp Link', waLink]);\n          rows.push([]);\n\n          \/\/ Client details\n          rows.push(['Client Details']);\n          rows.push(['Name', name || '\u2014']);\n          rows.push(['Phone', phone || '\u2014']);\n          rows.push(['Email', email || '\u2014']);\n          rows.push([]);\n\n          \/\/ Inputs summary\n          rows.push(['Inputs']);\n          rows.push(['Term (years)', state.n]);\n          rows.push(['Frequency', state.freq]);\n          rows.push(['Discount Rate r', (state.r*100).toFixed(2)+'%']);\n          rows.push(['Escalation g', (state.g*100).toFixed(2)+'%']);\n          if (document.getElementById('mode').value === 'solve-income'){\n            rows.push(['Purchase Price (KES)', Math.round(state.PV)]);\n            rows.push(['Initial P\u2081 (KES)', Math.round(state.P1)]);\n          } else {\n            rows.push(['Target P\u2081 (KES)', Math.round(state.P1)]);\n            rows.push(['Required Purchase Price (KES)', Math.round(state.PV)]);\n          }\n          rows.push([]);\n\n          \/\/ Schedule table\n          rows.push(['Year','Annual Payment (KES)','Per-Period Payment','PV Factor','PV of Annual Payment','Cumulative Paid']);\n          let running = 0;\n          for(let y=1;y<=state.n;y++){\n            const annual = state.P1*Math.pow(1+state.g,y-1);\n            const perPer = annual\/state.ppy; \n            const pvf = 1\/Math.pow(1+state.r,y); \n            const pvAmt = annual*pvf; \n            running += annual;\n            rows.push([y, Math.round(annual), Math.round(perPer)+'\/'+state.freq.slice(0,1).toLowerCase(), (pvf*100).toFixed(2)+'%', Math.round(pvAmt), Math.round(running)]);\n          }\n\n          return rows.map(r=>r.join(',')).join('\\n');\n        }\n\n        function downloadCSV(state){\n          if(!state){ state = build(); if(!state) return; }\n          const csv = makeCSV(state);\n          const blob = new Blob([csv],{type:'text\/csv'});\n          const a = document.createElement('a'); \n          a.href = URL.createObjectURL(blob); \n          a.download = 'amssurity_annuity_schedule.csv'; \n          a.click();\n        }\n\n        \/* PDF: includes client details + WhatsApp CTA using SAME message as calculator *\/\n        function buildPDFHTML(state){\n          if(!state){ state = build(); if(!state) return ''; }\n          const name = ($('rq-name').value || '').trim();\n          const phone = ($('rq-phone').value || '').trim();\n          const email = ($('rq-email').value || '').trim();\n\n          var logoEl = document.getElementById('amss-logo');\n          var logo = (logoEl && logoEl.src) ? logoEl.src : '';\n          const today = new Date().toLocaleString();\n          const waUrl = buildWAUrl(state);\n\n          let rows = '';\n          let cum = 0, pvSum = 0;\n          for(let y=1;y<=state.n;y++){\n            const annual = state.P1*Math.pow(1+state.g,y-1);\n            const pvf = 1\/Math.pow(1+state.r,y); \n            const pvAmt = annual*pvf; \n            cum += annual; \n            pvSum += pvAmt;\n            rows += '<tr><td>'+y+'<\/td><td>'+Math.round(annual).toLocaleString()+'<\/td><td>'+Math.round(annual\/state.ppy).toLocaleString()+' \/ '+state.freq.slice(0,1).toLowerCase()+'<\/td><td>'+ (pvf*100).toFixed(2)+'%'+ '<\/td><td>'+Math.round(pvAmt).toLocaleString()+'<\/td><td>'+Math.round(cum).toLocaleString()+'<\/td><\/tr>';\n          }\n\n          const inputsLine = '<strong>Inputs<\/strong>: Term '+state.n+' yrs \u00b7 '+esc(state.freq)+' \u00b7 r '+(state.r*100).toFixed(2)+'% \u00b7 g '+(state.g*100).toFixed(2)+'% \u00b7 '+(document.getElementById('mode').value==='solve-income' ? ('PV KES '+Math.round(state.PV).toLocaleString()) : ('Target P\u2081 KES '+Math.round(state.P1).toLocaleString()));\n          const keyLine = '<strong>Key Result:<\/strong> '+(document.getElementById('mode').value==='solve-income' ? ('Initial P\u2081 KES '+Math.round(state.P1).toLocaleString()+' (\u2248 '+Math.round(state.perPeriodY1).toLocaleString()+' '+state.freq.toLowerCase()+')') : ('Required PV KES '+Math.round(state.PV).toLocaleString()));\n          const logoHTML = logo ? ('<img decoding=\"async\" src=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/\" alt=\"Amssurity\">') : '';\n\n          const clientBlock = `\n            <div class=\"client\">\n              <strong>Client<\/strong><br>\n              Name: ${esc(name || '\u2014')}<br>\n              Phone: ${esc(phone || '\u2014')}<br>\n              Email: ${esc(email || '\u2014')}\n            <\/div>`;\n\n          const html = `\n            <html>\n            <head>\n              <meta charset=\"utf-8\" \/>\n              <style>\n                body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;margin:24px;color:#0f172a}\n                h1{color:#004AB4;margin:0 0 6px;font-size:22px}\n                .top{display:flex;justify-content:space-between;align-items:center;border-bottom:2px solid #D4AF37;padding-bottom:8px;margin-bottom:10px}\n                .brand{display:flex;align-items:center;gap:10px}\n                .brand img{height:42px}\n                .contacts{font-size:12px;color:#475569}\n                .pill{display:inline-block;padding:4px 8px;border:1px solid #D4AF37;border-radius:8px;margin-top:6px}\n                .meta{display:flex;gap:24px;margin:10px 0 6px}\n                .client{font-size:12px;color:#0f172a}\n                table{width:100%;border-collapse:collapse;margin-top:12px}\n                th,td{border-bottom:1px solid #e2e8f0;padding:6px 8px;text-align:right;font-size:12px}\n                th:first-child,td:first-child{text-align:left}\n                tfoot td{font-weight:700}\n                .cta{margin-top:12px;padding:10px 12px;background:#004AB4;color:#fff;border-radius:10px;display:inline-block;text-decoration:none}\n                .disclaimer{margin-top:14px;font-size:11px;color:#475569}\n              <\/style>\n            <\/head>\n            <body>\n              <div class=\"top\">\n                <div class=\"brand\">${logoHTML}<div><h1><span class=\"ez-toc-section\" id=\"Annuity_Projection_Summary\"><\/span>Annuity Projection Summary<span class=\"ez-toc-section-end\"><\/span><\/h1><div class=\"pill\">Generated: ${esc(today)}<\/div><\/div><\/div>\n                <div class=\"contacts\">Amssurity Insurance Agency<br>info@amssurity.co.ke \u00b7 0762 065 500 \/ 0725 068 537<br>www.amssurity.co.ke<\/div>\n              <\/div>\n\n              <div class=\"meta\">\n                ${clientBlock}\n              <\/div>\n\n              <div>${inputsLine}<\/div>\n              <div style=\"margin-top:6px\">${keyLine}<\/div>\n\n              <table>\n                <thead><tr><th>Year<\/th><th>Annual Payment (KES)<\/th><th>Per-Period<\/th><th>PV Factor<\/th><th>PV of Annual<\/th><th>Cumulative<\/th><\/tr><\/thead>\n                <tbody>${rows}<\/tbody>\n                <tfoot><tr><td colspan=\"5\">Totals (nominal \/ PV)<\/td><td>${Math.round(cum).toLocaleString()} \/ ${Math.round(pvSum).toLocaleString()}<\/td><\/tr><\/tfoot>\n              <\/table>\n\n              <a class=\"cta\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-annuity-calculator-in-kenya\/\" target=\"_blank\">Get My Annuity Quote on WhatsApp<\/a>\n              <div class=\"disclaimer\"><strong>Disclaimer:<\/strong> This report is for illustration only and is not a formal quote or advice. Values may differ due to insurer charges, taxation, underwriting, payment timing, and rounding. Please request a personalised illustration and product brochure before purchase.<\/div>\n            <\/body>\n            <\/html>`;\n          return html;\n        }\n\n        function openPDF(state){\n          const html = buildPDFHTML(state);\n          if(!html) return;\n          try{\n            const w = window.open('', '_blank'); \n            if(!w){ alert('Pop-up blocked. Please allow pop-ups for PDF preview.'); return; }\n            w.document.open(); w.document.write(html); w.document.close(); w.focus(); \n            setTimeout(()=>{ try{ w.print(); }catch(e){} }, 300);\n          }catch(err){ console.error('PDF build error', err); alert('Could not generate the PDF preview.'); }\n        }\n\n        \/* Calculator WhatsApp button uses the SAME message *\/\n        function buildWA(){\n          const st = build(); if(!st) return '#';\n          return buildWAUrl(st);\n        }\n\n        \/\/ Buttons & auto-calc on change\n        document.getElementById('calc').addEventListener('click', build);\n        document.getElementById('csv').addEventListener('click', ()=>{ downloadCSV(build()); });\n        document.getElementById('pdf').addEventListener('click', ()=>{ openPDF(build()); });\n        document.getElementById('wa-btn').addEventListener('click', (e)=>{ e.preventDefault(); const href = buildWA(); if(href && href !== '#') window.open(href,'_blank'); });\n        ;['mode','term','freq','g','r','pv','p1target'].forEach(id=>{ const el = $(id); if(el){ el.addEventListener('input', build); el.addEventListener('change', build);} });\n\n        \/\/ Initial render\n        build();\n      })();\n    });\n  <\/script>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_the_results_mean_plain_English\"><\/span><strong>What the results mean (plain English)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>P\u2081 (Initial Annual Income)<\/strong><br>The first-year payout. Subsequent years grow by <strong>g%<\/strong>.<\/li>\n\n\n\n<li><strong>Per-period income<\/strong><br>The monthly\/quarterly\/annual amount you\u2019ll actually receive.<\/li>\n\n\n\n<li><strong>PV factor &amp; PV of annual<\/strong><br>Shows the time-value of money impact at your chosen <strong>r%<\/strong>.<\/li>\n\n\n\n<li><strong>Totals<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Nominal<\/strong>: add-up of all future payments (no discounting)<\/li>\n\n\n\n<li><strong>PV<\/strong>: total value today\u2014useful for comparing alternatives<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Worked_example_illustrative\"><\/span><strong>Worked example (illustrative)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is how the free annuity calculator in Kenya works:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mode: <em>Solve Initial Income<\/em><\/li>\n\n\n\n<li>Purchase price: <strong>KES 1,500,000<\/strong><\/li>\n\n\n\n<li>Term: <strong>10 years<\/strong><\/li>\n\n\n\n<li>Frequency: <strong>Monthly<\/strong><\/li>\n\n\n\n<li>Escalation (<strong>g<\/strong>): <strong>3%<\/strong><\/li>\n\n\n\n<li>Discount rate (<strong>r<\/strong>): <strong>9%<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Using the annuity calculator in Kenya, you\u2019ll see:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Key Result<\/strong>: P\u2081 and its <strong>monthly<\/strong> equivalent in Year 1<\/li>\n\n\n\n<li><strong>Schedule<\/strong>: 10 rows with each year\u2019s income, PV, and cumulative totals<\/li>\n\n\n\n<li><strong>Totals<\/strong>: overall <strong>nominal<\/strong> and <strong>PV<\/strong> across the term<\/li>\n<\/ol>\n\n\n\n<p>Use this to answer: <em>Is a 10-year escalating annuity better than a 15-year option for my goals?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_an_escalating_annuity_in_Kenya_fits\"><\/span><strong>When an escalating annuity in Kenya fits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You want a predictable income with a built-in annual increase<\/li>\n\n\n\n<li>You\u2019re matching school fees, household bills, or retirement cash flow<\/li>\n\n\n\n<li>You prefer short\/medium-term certainty (5\u201320 years)<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practical_planning_tips\"><\/span>Practical planning tips<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Escalation vs. discount<\/strong><br>If <strong>r \u2248 g<\/strong>, the first-year income is roughly <strong>PV \u00f7 term<\/strong>.<\/li>\n\n\n\n<li><strong>Frequency choice<\/strong><br>Monthly helps with cash flow smoothing; annual yields fewer, larger instalments.<\/li>\n\n\n\n<li><strong>Stress-test assumptions<\/strong><br>Try \u00b11\u20132% on <strong>r<\/strong> and <strong>g<\/strong> to see how sensitive your result is.<\/li>\n\n\n\n<li><strong>From illustration to quote<\/strong><br>The annuity calculator in Kenya is an illustration. Insurer charges, riders, and tax can change final figures. Request a personalised illustration before you decide.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1758096490879\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_is_P%E2%82%81\"><\/span><strong>What is P\u2081?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>P\u2081 is the first-year annual income. Each year after that rises by g%.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758096505404\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Does_the_annuity_calculator_in_Kenya_include_fees_or_tax\"><\/span><strong>Does the annuity calculator in Kenya include fees or tax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. It\u2019s an illustration. Your formal quote will reflect product rules, charges, tax treatment, and underwriting.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758096532472\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_I_export_my_schedule\"><\/span><strong>Can I export my schedule?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, download a <strong>CSV<\/strong> for spreadsheets and a <strong>PDF<\/strong> for sharing.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758096545451\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Monthly_vs_quarterly_vs_annual_what_is_the_best_annuity_withdrawal\"><\/span><strong>Monthly vs. quarterly vs. annual, what is the best annuity withdrawal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Pick the cadence that matches your budget rhythm. The Totals section shows overall economics either way.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_a_personalised_illustration\"><\/span><strong>Get a personalised illustration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>After running the annuity calculator in Kenya, tap &#8216;Request a Quote&#8217; to access product brochures, insurer comparisons, and confirmed figures.<\/p>\n\n\n\n<p><a href=\"https:\/\/us.bigin.online\/org886794812\/bookings\/your-insurance-consultation#\/\" data-type=\"link\" data-id=\"https:\/\/us.bigin.online\/org886794812\/bookings\/your-insurance-consultation#\/\" target=\"_blank\" rel=\"noreferrer noopener\">Take advantage of our freee 30-minute retirement planning consultation<\/a> by booking a meeting with one of our advisors.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Disclaimer\"><\/span><strong>Important Disclaimer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This free annuity calculator in Kenya is for <strong>illustration only<\/strong> and <strong>not<\/strong> financial advice or an offer. Results can differ due to product rules, charges, underwriting, tax, payment timing, and rounding. Always request a personalised illustration and product brochure before purchase.<\/p>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-86f2799d-eaea-4f00-8dde-1580d5f03d49 wpforms-render-modern\" id=\"wpforms-1057\"><form id=\"wpforms-form-1057\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1057\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/blog\/wp-json\/wp\/v2\/posts\/3089\" data-token=\"d8ca575109ac7458f1c820ceaf41df15\" data-token-time=\"1779198733\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-hidden\" id=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-1057-field_12-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"12\"><label class=\"wpforms-field-label\" 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Our free annuity calculator in Kenya [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3116,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[6,85],"tags":[],"class_list":["post-3089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-in-kenya","category-insurance-calculators-in-kenya"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3089","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=3089"}],"version-history":[{"count":24,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3089\/revisions"}],"predecessor-version":[{"id":3243,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3089\/revisions\/3243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/3116"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=3089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=3089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=3089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}