Work-to-own calculator

A driver pays a deposit and a daily amount until the car is his. How long it takes, and what the deal earns you.

The driver owns the car after

155 weeks

about 35.7 months, if every day is paid

Agreed price

Cost plus markup

KSh 1,957,500
Paid after the deposit

KSh 12,000 a week

KSh 1,857,500
You earn over the car’s cost

Before insurance and repairs, if you keep paying them

KSh 507,500

Every missed day pushes the end date back. Agree in writing who pays insurance and repairs until the last payment, and when the logbook moves to the driver.

Put the deal in writing

A work-to-own deal runs for years, so settle the details before the first payment: the total price, which days are owed, who pays insurance, service and repairs until the end, what happens after missed days, and exactly when the logbook transfers. For a deal this size, have an advocate review the agreement — start from our car hire agreement template.

Transfer the car on NTSA’s portal when the last payment clears — see the logbook transfer guide.