Track your rotating savings group with ease. Add members, set contribution amounts, create payout schedules, and track who has paid. Works for Ajo, Esusu, Chama, Stokvel, Tontine, and any rotating savings circle.
Add up to 30 members with names, phone numbers, and payout order.
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Payout Calendar
Auto-generated schedule showing who receives the pool each period.
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Payment Tracking
Mark contributions as paid or pending. See at a glance who owes what.
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Multi-Currency
NGN, KES, ZAR, GHS, TZS, UGX, and more African currencies.
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Summary Dashboard
Total collected, total distributed, outstanding amounts, completion percentage.
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Save Groups
Save multiple savings circles and switch between them.
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Export Report
Download a PDF summary to share with group members.
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100% Offline
Works without internet. Your group data stays on your device.
FAQ
Frequently Asked Questions
What is Ajo/Esusu/Chama?
These are traditional rotating savings groups common across Africa. A group of people each contribute a fixed amount regularly, and the total pool is given to one member each cycle. In Nigeria it's called Ajo or Esusu, in Kenya it's Chama, in South Africa it's Stokvel, and in West Africa it's also called Tontine.
How many members can I track?
Up to 30 members per savings group, and you can create multiple groups.
Does this handle the money?
No. This is a tracking tool, not a payment platform. It helps you organise schedules, track who has paid, and generate reports. Actual money transfers happen through your existing channels (bank transfer, mobile money, cash).
Can other members see the tracker?
The tracker runs locally on your device. To share with members, export a PDF report. We plan to add shared group links in a future update.
What contribution frequencies are supported?
Weekly, bi-weekly (fortnightly), and monthly. You set the start date and the tool calculates all payout dates automatically.
Is this free?
Completely free. No registration, no limits, no ads.
How do I handle a member who defaults on payment?
Most rotating savings groups handle defaults through social pressure and prior agreements. Common approaches include: skipping the defaulter's payout turn, applying a penalty (e.g., extra contribution), or removing them from the cycle. We recommend agreeing on a penalty clause before the group starts — the tracker lets you add notes to each member for this purpose.
What is the difference between Ajo, Stokvel, and Tontine?
All three are rotating savings groups (ROSCAs) but with regional names and slight variations. Ajo/Esusu (Nigeria) and Susu (Ghana) tend to be informal neighbourhood groups with weekly or monthly cycles. Stokvel (South Africa) often has written rules and may include investment components or bulk-buying clubs. Tontine (West/Central Africa, France) can include both rotating payouts and a shared fund that grows over time. This tracker supports all formats.
Fun Facts
Ajo by the Numbers
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In Rice
A typical 10-person Ajo at ₦50K/month collects ₦500K per cycle — that's 6 bags of 50kg rice!
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In Phones
A 20-person Ajo at ₦100K/month pools ₦2M — enough for an iPhone 16 Pro!
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Rent Power
A 10-member group at ₦200K/month pools ₦2M per cycle — 4 months of Lagos rent!
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School Fees
A 15-person group at ₦150K pools ₦2.25M — more than a semester at a private uni!
💡 Did You Know?
🏦 Ajo groups have existed in Nigeria for over 500 years! They predate modern banking by centuries. Ancient fintech!
🌍 In Kenya it's called "Chama", in South Africa "Stokvel", in Cameroon "Njangi", and in West Africa "Esusu" or "Susu". Same genius idea, different names!
💰 Over 11 million South Africans belong to Stokvels, collectively saving over R50 billion per year. That's bigger than some banks!
Start Tracking Your Savings Circle
Ajo, Esusu, Chama, Stokvel, Tontine -- whatever you call it, we track it.
Ask any question about rotating savings groups. Max 3 exchanges per session.
Is our rotation order fair?
What penalty for late payment?
How much should each person contribute?
Ajo & Rotating Savings Group Tracker for Africa
Rotating savings groups are one of Africa's oldest and most powerful financial traditions. Known as Ajo or Esusu in Nigeria, Chama in Kenya, Stokvel in South Africa, and Tontine in West and Central Africa, these groups allow members to save collectively and access larger sums of money than they could save individually. Despite being a cornerstone of informal finance across the continent, most groups still track contributions with notebooks, WhatsApp messages, or memory alone.
Why Digital Tracking Matters
As savings groups grow in size and contribution amounts increase, manual tracking becomes unreliable. Disputes over who paid what, confusion about payout order, and lost records can break trust and dissolve groups. A digital tracker eliminates these problems by providing a clear, shareable record of every contribution and payout.
Built for African Savings Culture
The AfroTools Ajo/Chama Tracker understands how these groups actually work. Unlike generic expense trackers, it models the rotating payout structure, supports African currencies, handles flexible contribution frequencies, and generates reports that group administrators can share with members. It works offline because we know internet access isn't always reliable. And it's completely free because financial tools should be accessible to everyone.