Frequently Asked Questions
What is Ajo / Chama / Tontine?▼
Ajo (Nigeria), Chama (Kenya), Tontine (West/Central Africa), and Stokvel (South Africa) are traditional rotating savings groups where members contribute a fixed amount regularly and each member takes turns receiving the full pool. It is a time-tested community savings method used across Africa.
How does the rotation work?▼
Each round, all members contribute a fixed amount. The total pool goes to one member. The order rotates until every member has received the pool once, completing one full cycle. Members can agree on the order or draw lots.
What happens if someone pays late?▼
Groups often set late payment penalties, typically a percentage of the contribution amount. This calculator lets you configure penalty rates to help enforce timely payments. The penalty amount is shown in the group summary.
Can I change the rotation order?▼
Yes. Edit the member names in the setup section to reflect the agreed rotation order. The schedule is generated based on the order of the member list from top to bottom.
Is my data saved?▼
Your data stays in your browser only. Nothing is sent to any server. You can print or share the schedule via WhatsApp for your records.