The SMAU monthly challenge will be done by varying your monthly savings by 25,000 UGX. However in the months of June and July we shall save 150,000 for each month and then decrease the monthly savings by 25,000 as seen in the table below. The amount you choose to use can be decided depending on your personal financial circumstances.
| Month | Savings | Balance |
| January | 25000 | 25000 |
| February | 50000 | 75000 |
| March | 75000 | 150000 |
| April | 100000 | 250000 |
| May | 125000 | 375000 |
| June | 150000 | 525000 |
| July | 150000 | 675000 |
| August | 125000 | 800000 |
| September | 100000 | 900000 |
| October | 75000 | 975000 |
| November | 50000 | 1025000 |
| December | 25000 | 1050000 |
