How Kiti works
Start with a goal.
Find your people.
Build it together.
Discover or create a goal-based stokvel community, agree on the plan and follow the journey together.
Kiti Web · Available 1 October 2026 · iOS & Android 1 January 2027. Use Kiti in your browser or on the Kiti app.
People are already forming communities around real goals.
92% matchWimbledon 2028
Travel · Johannesburg
R2 400/month
12 of 15 members
First Home JHB
Home · Johannesburg
R3 000/month
9 of 10 members
Community almost full
3 places left
5–15
Members per community
6–24
Month saving journeys
R99
Kiti administration*
Up to 6.25%
p.a. through the approved savings partner*
*R99 once-off Kiti administration fee, per member, per community. Interest applies to eligible partner savings. Rates may change. Terms apply.
How it starts
It starts with something you actually want.
Wimbledon. A first home. Graduation. A business. Kiti helps you find people saving towards the same thing.
The product
Find the community that fits.
All of it happens on the Kiti website — from your browser, on any device.
92% matchWimbledon 2028
Travel · Johannesburg
R2 400/month
12 of 15 members
First Home JHB
Home · Johannesburg
R3 000/month
9 of 10 members
December Grocery
Groceries · Soweto
R900/month
7 of 12 members
Discover
Find communities built around goals like yours.
Travel · Johannesburg
Wimbledon 2028
Monthly contribution
R2 400
Members
12 of 15
Verified members saving together
Explore
See what you’re joining before you apply.
Request to join
Wimbledon 2028
Your monthly contribution
R2 400
Verified profile
Confirmed
Request sent
Members review your application before you join.
Apply
Request to join the community that feels right.
Explore
Johannesburg
92% match RecruitingWimbledon 2028 🎾
Travel · Johannesburg
R1,200/month
Closes 30 September
FormingDecember Groceries
Groceries · Soweto · Waiting for 3 members
Mobile web
The same Kiti, in your phone’s browser.
No download. Open www.kiti.co.za and carry on where you left off.
Step 1 of 4
Create a Kiti
Goal
Wimbledon 2028
Location
Johannesburg
Monthly contribution
R2 400
Target members
15
Create
Can’t find it?
Start it.
Create the community you wish already existed.
01
Define
02
Plan
03
Publish
04
Form
When the community fills
Now it becomes real.
01
Community created
02
People apply
03
Minimum reached
04
Agreement confirmed
05
Community starts
Community forming
Wimbledon 2028
12/15
3 places remaining
One screen shows where the community stands — members joined, places remaining and what happens next.
Community Hub
Voting
Agreement
Milestones
Progress
Savings activation
Once the community is ready, the shared plan becomes an active Kiti journey.
The difference
No treasurer.
No secretary.
No chairperson.
Kiti administers the community. Members make the decisions. An approved savings partner powers the savings.
Kiti
Administers
- Administration
- Records
- Community tools
Members
Decide
- Decisions
- Votes
- Participation
An approved savings partner
Powers the savings
- Savings infrastructure
- Contributions
- Withdrawals
Community roles
Wimbledon 2028
Administrator
Thandoe M.
Community setup
Moderation
Administration
Money control
Your money stays individually attributable to you through the approved savings partner.
Community decisions
18 members · 1 active poll
No treasurer
No secretary
No chairperson
Nobody in the community needs to become the banker.
Up to
6.25%
p.a.*
eligible partner savings
Savings powered by an approved savings partner.
Contribute, track your savings, earn applicable interest and cash out according to the community’s the approved savings partner rules.
Learn about your money*Rates may change. Partner terms apply.
Wimbledon 2028
Your savings
Your savings
R9,600
Next contribution
R1,200
Savings powered by an approved savings partner
Contribution history
R1,200
25 Jul
R1,200
25 Jun
R1,200
25 May
R1,200
25 Apr
On your phone
Your savings. Your record. Always visible.
Contributions, due dates and history — recorded per member with the approved savings partner.
The money
Shared goal.
Individual savings.
Everyone works towards the same goal. Each member’s savings remain individually recorded.
See how the money worksWimbledon 2028 · Community goal
R240,000
75% reached
Your contributions
R31,847
Contributed
R30,000
Interest*
+R1,847
*Interest through an approved savings partner. Terms apply.
Community hub
Everything in one place.
Your entire community lives here — in your browser.
Community hub
Wimbledon 2028
Community goal
R240 000
72% reached · 12 members
Next contribution
R2 400
Due 1 November
1 open vote
Closes Friday
Nomsa posted an update
2 hours ago
12 of 15 members
3 places open
The year
The first year, in one line.
Month 1
Community forms
Month 3
Saving builds
Month 6
Halfway there
Month 9
Goal gets closer
Month 12
Goal reached
A different way
A different way to save together.
Kiti keeps the community element of saving together while changing how people find each other and manage their savings.
Finding your group
Discover and match with people online
Often formed through existing personal networks
Savings
Savings remain in an account in the individual member’s name
Structures vary and may involve pooled funds
Treasurer
No member treasurer holds everyone’s savings
Often managed by elected group members
Goal
Members connect around a specific shared savings goal
Depends on the stokvel structure
Joining
Discover communities based on your preferences
Often invitation or referral based
Stokvel structures vary. This comparison illustrates common models and is not intended to describe every stokvel.
Goal reached
Then you reach the reason you started.
Wimbledon
Your Kiti history travels with you to the next goal.
See how reputation worksGoal complete ✓
Wimbledon 2028
12 members · Journey complete
Questions
Everything else you might be wondering.
Common questions
Your goal is already someone else’s goal too.
Find the community — or start the one you wish existed.
Kiti administers the community. Savings powered by an approved savings partner.