Save
Earn Interest.

The core savings engine of Zedek. Create structured savings plans with 10-15% annual interest. Choose from Express (flexible short-term), Personal (individual goals), or Group Goals (chama projects).

Create Your First Goal Your Existing Goals

Active Goal Examples

See how Zedek members are building wealth with automated interest-earning goals.

Active

Total Saved

KSh 420,000

Interest Rate 12% p.a.

Buying a Car 84%
KSh 420,000 of KSh 500,000 6 weeks left
Monthly
+KSh 25,000
Interest Earned
KSh 18,200
Next Due date
Oct 15 · KSh 25,000
Active

Total Saved

KSh 400,000

Interest Rate 13% p.a..

Land Purchase 50%
KSh 400,000 of KSh 800,000 13 months left
Monthly
+KSh 30,000
Interest Earned
KSh 22,500
Next Due date
Oct 28 · KSh 30,000
Starting Soon

Target Amount

KSh 150,000

Interest Rate 12% p.a.

School Fees Goal 20%
KSh 30,000 of KSh 150,000 End date Nov 01
Monthly
+KSh 15,000
Interest Earned
KSh 6,800
Next Due date
July 01 · KSh 15,000/mo

Choose Your Goal Type

EXPRESS SAVINGS

Short-term, flexible, no strict schedule. Perfect for small reserves. Withdraw anytime.

PERSONAL GOALS

Individual savings for holidays, rent, or business capital. Set your own pace.

GROUP GOALS

Shared goals among chama members for projects, events, or communal emergency funds.

Two types of Interest Rates

Fixed Interest Rate Goals

Perfect for individuals who want to lock in and save without breaking their goals

Regular Interest Rate Goals

Highly flexible savings with optionto withdraw anytime

Savings Discipline

Lock funds in a fixed goal until maturity for maximum discipline.

Continuous Accrual

Savings earn Interest automatically even if you skip a contribution.

Goal Creation Demo

KSH 50,000
24

Monthly Contribution

KSH 2,083

Contribute KSH 2,083/month for 24 months + KSH 6,240 in interest = KSH 56,240 total!

Manual Savings vs. GOALS

Why many Kenyans and Chamas switched to our digital ecosystem

Feature Manual Cash/Home Savings Zedek GOALS
Trust & Security Risky, easy to spend Secure, disciplined lock
Transparency Requires physical meeting 24/7 Real-time visibility
Calculation Errors High Risk 100% Automated
Time to Manage 3-5 hours / month Under 1 minute
Interest Tracking 0% Interest (Inflation loss) 10-15% Annual Interest
Scalability Limited by physical reach Unlimited Global Reach

50,000+

Active Savers

KSH 1.5B+

Saved Together

92%

Goal Achievement

18mo

Avg. Time to Goal

Real Stories from Real Members

Authentic feedback from our growing Kenyan community

"I never thought I could save for a house. With my Housing goal on Zedek, I hit my target 3 months early!"

Sarah

Sarah

Nairobi

"Our chama group saved KSH 500,000 for a community project. Tracking everything in Goals made it transparent."

David

David

Eldoret

"Our wedding fund went from scattered notebooks to organized, tracked, and secure. Game changer."

Grace

Grace

Mombasa

"I saved KSH 80,000 for my land in just 8 months. The interest earned helped me reach my goal faster!"

James

James

Kisumu

Savings FAQ

Express is flexible for short-term needs. It allows for fast saving as you do not create any goal. Personal is for individual future plans. You create a goal, name it, set a target and start saving. Group is for collaborative group projects where members contribute a fixed sum.
There are no limits on Zedek. You can save as little as KSH 10 or as much as you want. Different goal types have different minimum requirements.
Any Regular goal including express saving can be withdrawn anytime. Fixed goals have a maturity date.

Ready to Start Saving?

Create a personal goal and start saving. Join 50,000+ active users building wealth in Zedek.

Create a New Goal Check out Existing Goals

Note: Goals is our savings engine. For rotating savings, check out our Merry-Go-Round feature.