Model a rotating-savings payout or an interest-bearing monthly contribution plan, then compare the same contributions with a bank rate you enter.
Your assumptionsCash-flow timingFree
Rotating Savings & Cooperative Calculator
You Receive (Lump Sum)
Total You Contribute
Lump Sum Received
Months to Your Turn
Entered / Modeled Annual Yield
Bank Alternative Value
Group Pot per Cycle
Frequently Asked Questions
How is a rotating-savings payout modeled?
Each member contributes the same monthly amount. One monthly pot equals the contribution multiplied by the number of members, and your position determines when you receive it.
Does rotation position create an investment return?
No. In the zero-fee model, the amount you contribute over the cycle equals the pot you receive. Position changes cash-flow timing, not the nominal total.
How are interest-bearing plans compared with a bank?
Both use the same end-of-month contributions and their respective entered annual effective rates. Fees, defaults, taxes, inflation and access restrictions are not included.