Provably fair draw
Random payout order with a saved seed. Anyone can re-check it — no more “why did she get the first turn?”
FOR SAVINGS GROUP ORGANIZERS · MANY CURRENCIES
Every turn,
Every turn,
on record.
Run your committee, tanda, susu or chama without the notebook. Track who paid, draw turns fairly and remind members in one tap.
Free to start
Works offline
Never holds your money
Savings Circle is a free app for organizers of rotating savings groups (ROSCAs). Members pay the same amount into one pot each round and one member takes the whole pot, until everyone has had a turn. The app records who paid, whose turn is next and every payout. It never holds or moves money.
One app for the savings group your family has always had — whatever you call it
CommitteePakistan · India
TandaMexico
SusuGhana · Caribbean
ChamaKenya
ArisanIndonesia
PaluwaganPhilippines
Jam’iyaArab world
StokvelSouth Africa
TontineWest Africa
Lending circleUSA
PardnerJamaica · UK
EqubEthiopia
AjoNigeria
AdasheNigeria · Niger
HagbadSomalia
HụiVietnam
SamityBangladesh
JuntaPeru · Bolivia
Set up in a minute. Runs itself for a year.
1
Create your group
Name it what you call it, set the amount and schedule, add members from contacts.
2
Draw the order — fairly
Run a random draw together, or set the order you agreed. The result is saved for good.
3
Track and remind
See who paid at a glance. Remind the rest in one tap and record each payout.
Features
Everything the notebook couldn’t do.
Built with organizers from Karachi to Nairobi to Mexico City — people who carry the whole group’s trust.
Reminders in their app
One tap opens WhatsApp, SMS or Telegram with a polite message in their language.
Works offline
Record payments at the market or the mosque; it syncs when you’re back online.
Proof & receipts
Attach a screenshot, send a receipt, see every payment in a ledger no one can quietly edit.
Members need nothing
Only the organizer uses the app. Members get their reminders on WhatsApp, SMS or Telegram, with nothing to install.
Many currencies, many languages
USD to PKR to KES, with each group’s own currency and local number formats. The phone apps and the web are in 19 languages, right to left for Urdu, Arabic and Persian.
Trust
Does Savings Circle hold your money? Never.
Members keep paying the way they trust — cash, bank or mobile wallet. Savings Circle is the record: every payment, draw and payout timestamped and locked, so disagreements end with facts.
No wallet, no custodyNothing to hack, nothing to freeze.
Edits leave a trailCorrections are new entries, never rewrites.
Your data, your callExport or delete everything, any time.
Private by defaultYour records are never sold or used for ads.
FAQ
Questions organizers ask
Does Savings Circle hold or transfer our money?
No. Members pay each other the way they always do — cash, bank, mobile wallet. The app only records who paid, who’s next and what’s owed.
Do all members need to install the app?
No. Only the organizer needs it. Members get reminders on WhatsApp, SMS or Telegram from the organizer’s own phone.
How is the draw fair?
The app saves a random seed before the draw and keeps it with the group, so the draw can be re-run later and gives the same order.
Which countries and currencies work?
Any country. Each group picks one of the app’s 24 currencies: US dollar, euro, pound, Pakistani, Indian and Nepali rupee, Kenyan shilling, naira, peso, Philippine peso, rupiah, real, riyal, Kuwaiti dinar, yen, taka, dong, lira, birr, cedi, Somali shilling, metical, afghani and Iranian rial, with more being added. Number formats, payment methods and reminder apps follow your region.
Can I use Savings Circle on a computer?
Yes. Sign in at app.savingscircle.app with the same account you use on your phone: email and password, a code sent to your email, or Google. Your groups sync both ways. When you’re done on a shared computer, open your profile menu and choose Sign out.
Is there an Apple Watch app?
Yes. The Savings Circle app for Apple Watch shows today’s rounds, who has paid, what you owe and whose turn it is, and it can sit on your watch face or in the Smart Stack. Organizers can mark a payment as paid from the watch. You set up groups on your iPhone, and the watch stays in sync with it.
Is Savings Circle a kameti app?
Yes. Set up your group as a kameti in a few taps, with the holder, the monthly amount and the order of turns. Read how a kameti works for the full guide.
What happens if I lose my phone?
Sign in with your email and your groups are backed up to your account. Sign in on the new phone and they come back. You can also export a backup file anytime.
Start your group today.
Free on Android, iPhone, Apple Watch and in the web app. Members don’t need the app.
Get it onGoogle PlayDownload on theApp Store
Also on Apple Watch: install the iPhone app and the watch app comes with it. Get it on the App Store.
Also on Mac with Apple silicon (macOS 14 or later), using the same app. See it on the App Store.