Christmas Savings is a voluntary savings product designed to help members prepare financially for the festive season. Members contribute throughout the year from December to November and receive their savings in December, together with interest earned. Contributions are flexible and can be made through cash or payslip, with no minimum or maximum limits.
- Encourages disciplined saving
- Helps members plan for Christmas expenses
- Flexible contribution amounts
- Convenient saving through cash or payslip
- Earns interest on savings
- Lump-sum payout in December
- Reduces financial pressure during festive season
- Supports budgeting and goal-based saving
Savings Calculator
Estimate how your savings may grow over time. Results are indicative and may differ from SACCO policy and payout rules.
Choose whether you save monthly or deposit once.
Enter annual interest rate (example: 8% p.a).
Monthly is a common estimate; actual SACCO rules may differ.
If you want, subtract charges at the end (optional).
Disclaimer: This calculator provides estimates only. Actual interest and payouts depend on the SACCO product
terms and timing of deposits.
Total Contributions (KES)
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Estimated Interest Earned (KES)
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Estimated Final Amount (KES)
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