How Target Savings works

Last updated: 14 June 2026

A target savings group helps a group of people save together toward a shared date. There are no turns and no winners. On the target date, you simply receive back what you contributed. Because you only ever get your own savings back, it doesn't matter when you joined or what order you're in.

Joining

• The group's admin chooses whether it's public (anyone can join) or invitation only.
• You must verify your identity (KYC) before joining, either way.
• You can join at almost any time, with one limit: if fewer than two contributions remain before the target date, you either can't join yet, or you join and start contributing from the next cycle. Joining right before the payout isn't worthwhile.

Contributions

• You contribute a fixed amount on a fixed schedule agreed by the group.
• You can't pay ahead beyond the agreed amount. Your savings build up one installment at a time.

When you get paid

• On the target date (plus a short, agreed settlement window), you receive back exactly what you contributed.
• Your position in the group makes no difference. Everyone is paid based only on their own savings.

Trust and missed contributions

Missing your contributions affects your trust score and your standing in the group. Since you're only ever paid your own savings, a late or missing member can't take from anyone else, but consistent saving keeps your score and your future opportunities strong.