Money is too accessible
When savings sit one tap away, any small emergency or temptation can use them up.
Now live on Android & iOS
Save with purpose.
Save for what matters to you.
M-Vault gives every goal its own saving account: rent, school fees, that trip you keep postponing. Lock it until the date you choose and deposit straight from M-Pesa. Your savings stop looking like spending money.
- Goal-based savings
- Lock until maturity
- M-Pesa deposits
● Emergency
31.4%
KES 15,700
Target · KES 50,000
+KES 500
M-Pesa deposit · School Fees
Protected until your date
The real problem
Most people don't need somewhere to keep money.
They need help not spending it.
Goals stay vague
"Saving" with no target and no deadline turns into leftover money, and leftovers rarely last.
Discipline is hard alone
Budgeting consistently takes willpower. M-Vault adds the structure so you don't have to rely on willpower every day.
The M-Vault difference
Same KES 50,000.
A completely different mindset.
Most apps show you one balance, and one big number feels like money to spend. M-Vault splits it into the commitments you've already made, so you see rent and school fees where you used to see a balance.
- Creates psychological commitment
- Reduces impulse spending
- Makes every goal visible
- Builds long-term saving habits
Most savings apps
Balance
KES 50,000
One number. No purpose. Easy to spend.
M-Vault
- StockKES 18,500
- RentKES 15,222
- HikingKES 8,458
- EmergencyKES 5,000
- Wi-FiKES 2,820
Five commitments. Each one has a purpose.
Features
Designed around financial discipline
The tools you need to keep a promise to yourself, and nothing that gets in the way.
Goal-based savings accounts
Open a separate account for each goal (rent, a birthday, business capital) and give it a name, a target and a deadline.
Lock until maturity
Choose a withdrawal date and your account stays protected until it arrives, so you can't spend it on impulse.
Secure M-Pesa deposits
Top up any account straight from M-Pesa in a few taps. You don't need a bank account or a trip to an agent.
Group savings
Start a group for your chama, team or friends and save toward a shared target together.
Progress tracking
See how far along each goal is, as a percentage of your target and as a full history of deposits and withdrawals.
Flexible goals
Adjust a target or extend a lock period as your plans change. Keep accounts unlocked if you want flexibility.
Easy withdrawals
When a goal matures, withdraw what you've saved quickly and without paperwork.
How it works
From "someday" to a date on the calendar in four steps.
-
1
Create an account
Download M-Vault, sign up and open an account for the goal you have in mind.
-
2
Set a target & lock date
Decide how much you need and when you need it. Lock it if you want to stay disciplined.
-
3
Deposit via M-Pesa
Save any amount, whenever you can, and watch the progress bar fill up.
-
4
Reach your goal
When the date arrives, your money is ready for what you saved it for.
Plan a goal
See what it takes to get there.
KES
Per dayKES 110
Per weekKES 767
Per monthKES 3,334
Inside the app
Simple enough to open every day
Team Hike: Mt. Longonot8 members
KES 31,400 of 40,000
New deposit · +KES 1,000
Group savings
Save together, and stay accountable together.
Whether it's a chama, a family project, an office trip or a gym squad, M-Vault groups give everyone one shared target and one transparent record. Members see the progress and every transaction.
Chamas & savings groups
Young professionals
Small business owners
Families
Students
Coming next
Saving is just the beginning.
We're building M-Vault into a complete personal-finance companion, with the aim of becoming Africa's most trusted platform for saving, borrowing and building long-term financial security.
- Smart budgeting
- Financial insights
- Investment products
- Personal & emergency loans
What is M-Vault?
M-Vault is a goal-based digital savings app built by EmKev Solutions in Nairobi. Instead of one balance, you create separate savings accounts (vaults) for each goal, track your progress, and can lock each vault until a date you choose.
How do I deposit money?
Deposits are made securely through M-Pesa, right from the app. Pick the account, enter an amount and confirm on your phone.
What does "locking" an account mean?
When you lock an account, you set a withdrawal date. Your savings in that account stay protected until that date arrives, which makes it much harder to dip into money meant for something important. Accounts you leave unlocked stay flexible.
Can I save with friends or my chama?
Yes. Create a group in the app or join an existing one, set a shared target, and every member can follow the progress and transaction history.
How much does M-Vault cost?
M-Vault is free to download on Google Play and the App Store. A small charge applies when you make a withdrawal.
Which phones does it work on?
M-Vault is available for both Android (Google Play) and iPhone (App Store).
Your next goal deserves its own account.
Download M-Vault for free and start saving with purpose today.