Savings circles, everywhere
A savings circle app that replaces the spreadsheet
Savings circles go by many names, but the mechanics never change: a trusted group, a fixed contribution, a regular schedule, and a turn for each member to receive the pot. NjangiMe supports that pattern wherever your group is.
Savings circles in worldwide
If your group currently runs on a spreadsheet or a group chat, NjangiMe replaces both: one shared record, automatic due dates, reminders before each round, and a payout order everyone can see.
Also known as
- ROSCA
- Isusu
- Ajo
- Esusu
- Chama
- Stokvel
- Tontine
- Paluwagan
- Committee
- Chit fund
- Hui
- Tanda
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
- What does NjangiMe cost?
- Up to 10 members is $12/month, up to 30 members is $25/month, and above 30 members is $1.25 per member per month. Subscriptions are billed in US dollars wherever your circle is based.
- Does NjangiMe hold our money?
- Never. NjangiMe provides visibility, tracking and coordination only — funds move directly between members and the group's own account.
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