Paluwagan, made clear
A paluwagan app for your group
Paluwagan is the Filipino form of rotating savings: an agreed contribution each payday, and each member taking a turn to receive the pooled amount. NjangiMe keeps the schedule and the record straight for everyone.
Paluwagan in the Philippines and the diaspora
Paluwagan groups usually run on payday cycles, so timing matters. NjangiMe calculates due dates, sends reminders before each one and shows the whole group how far through the cycle you are.
Also known as
- ROSCA
- Rotating savings
- Savings circle
- Isusu
- Ajo
How it works on NjangiMe
Invite your members
Circles are invite-only. Admins invite by email and track who has joined.
Agree the schedule
Set the contribution amount, currency, frequency and picking order once.
Take turns collecting
Each round one member receives the pooled amount until everyone has picked.
Built for group trust
Reminders before every due date
Members are notified ahead of each contribution, and late payments raise an alert.
One shared record
Every member sees the same contribution history, balances and payout order.
Never holds your money
NjangiMe tracks and coordinates. Funds move directly between members and the group's own account.
Common questions
- How do members pay?
- Members pay by card or bank transfer. NjangiMe records the payment against their contribution automatically.
- Is the group public?
- No. Circles are invite-only and cannot be discovered or joined without an emailed invitation.
Same tradition, other names
Bring clarity to your circle
NjangiMe helps invite-only groups track contributions, due dates and picking order in one place. It provides coordination and visibility; it is not a bank and does not hold members' money.
Create your NjangiMe circle