Rotating savings · Zambia
Everyone pays in.
One person takes the pot.
Then it goes round.
Chilimba Circle keeps the record your group already keeps in a notebook: who has paid, whose turn is next, what is owed. So nobody has to remember, and nobody has to argue.
Free · Money stays between your members. It never passes through us
How a round works
Five members, K500 each, every week. The pot is K2,500 and it moves one place down the list each round.
| Round | Chanda | Bwalya | Mutale | Natasha | Joseph | Receives |
|---|---|---|---|---|---|---|
| 1 | receives the pot | pays in | pays in | pays in | pays in | K 2,500 |
| 2 | pays in | receives the pot | pays in | pays in | pays in | K 2,500 |
| 3 | pays in | pays in | receives the pot | pays in | pays in | K 2,500 |
| 4 | pays in | pays in | pays in | receives the pot | pays in | K 2,500 |
| 5 | pays in | pays in | pays in | pays in | receives the pot | K 2,500 |
takes the potpays in
What the app keeps track of
- Who has paid, each round
- A shared ledger every member can see, with a reference for each payment. No more one person's word against another's.
- Whose turn is next
- The rotation is fixed when the circle is created, and the app counts the rounds so nobody loses their place.
- When the next payment is due
- A countdown per circle, reminders before the date, and a calendar you can export to your phone.
- Seats reserved by phone number
- Add members before they sign up. They claim their seat when they join, and keep their position.
- Invite codes you can share
- Send a link on WhatsApp. Anyone who opens it sees the terms before committing to anything.
- Nothing you can't undo
- An owner can reverse a payment they recorded by mistake. The ledger corrects itself everywhere.