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20th-to-20th Savings Challenge

Pick an amount. Save it every month. Check in between the 15th and 25th to keep your streak alive.

Set your monthly savings commitment

Choose an amount you'll commit to saving each month — then check in between the 15th and 25th to log that you did it.

Ksh

How it works

  1. Pick a fixed amount to save each month — start small and stay consistent.
  2. Every month between the 15th and 25th, confirm you saved it by tapping “I saved it ✓”.
  3. Your streak grows with every check-in. Miss a month and it resets to zero.
  4. Your savings sit in your MMF earning interest — the challenge just keeps you honest.

📊

78%

of Kenyans who save do so irregularly — when they remember, or when there's something left. A monthly check-in habit changes that.

FinAccess Kenya 2021

💡

6 months

is the research-backed threshold for a habit to become automatic. Get to 6 check-ins and saving stops feeling like discipline — it feels like rent.

Habit research consensus

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.