This is a proposal to investigate the relationship between Central Bank of Kenya (CBK) monetary policy decisions, particularly the Central Bank Rate (CBR) fluctuations and the household disposable income in Kenya. CBK has had about ten consecutive rate cuts between August 2024 and February 2026, bringing the CBR from 13% to 8.75%. As such, it is critically important to understand how these unprecedented policy shifts transmit to the household financial wellbeing. While statistics show that aggregate disposable income has risen from Ksh. 14,188 billion in 2013 to Ksh. 15,360 billion in 2024, the main concern about the distributional effect and transmission mechanism affecting the ordinary household in Kenya remains unaddressed. This study will use a mixed method approach that combines time series econometric analysis with household survey data to explore the direct effects (through borrowing cost and interest income) and indirect effects (through employment and inflation) of interest rate changes on the household disposable income across different income strata. The findings of this study will contribute to understanding the retributive consequences of monetary policy and inform a more inclusive policy design.