ROSCA / Njangi Calculator
Work out your payout, the date you receive the pot, your total contribution, and the full rotation schedule for any savings circle: njangi, susu, esusu, ajo, paluwagan, tanda, kameti, hui, stokvel, or partner.
Your circle
Your result
A 10-member monthly circle of $500 each runs until Feb 26, 2027, when the last member receives the pot. Everyone pays in the same amount and everyone collects $5,000 once. No interest, no bank.
Full rotation schedule
| Round | Payout date | Member receives |
|---|---|---|
| 1 (you) | Jun 1, 2026 | $5,000 |
| 2 | Jul 1, 2026 | $5,000 |
| 3 | Jul 31, 2026 | $5,000 |
| 4 | Aug 30, 2026 | $5,000 |
| 5 | Sep 29, 2026 | $5,000 |
| 6 | Oct 29, 2026 | $5,000 |
| 7 | Nov 28, 2026 | $5,000 |
| 8 | Dec 28, 2026 | $5,000 |
| 9 | Jan 27, 2027 | $5,000 |
| 10 | Feb 26, 2027 | $5,000 |
Run this circle for real on Wiremi
This calculator is the math. The Wiremi app is the circle: automatic rotation, a verifiable record of every contribution, and a payout schedule your group can trust. Every on-time payment builds the record that puts you first in line for our credit-reporting pilot with a Canadian bureau, so your savings discipline can one day count toward your credit history.
Download the Wiremi app
Wiremi does not yet report to any credit bureau. Reporting is in development.
Frequently asked questions
How does a ROSCA calculator work?
You enter the number of members, the contribution per round, how often the group pays in, and your position in the rotation. The calculator shows the lump sum you receive when it is your turn, the date your turn arrives, the total you contribute over the full cycle, and the complete payout schedule for the group.
How much do you get from a ROSCA?
Each member receives the full pot once per cycle. The pot equals the contribution multiplied by the number of members. For example, ten members contributing $500 each per round means whoever receives that round collects $5,000, and every member collects that same $5,000 once before the cycle ends.
Do ROSCA contributions build credit in Canada?
Not by default. Offline ROSCAs are invisible to Equifax and TransUnion because the payments are never reported. Running your circle on the Wiremi app creates a verifiable record of every contribution. Wiremi does not yet report to any credit bureau and never claims it does, but it is building toward a credit-reporting pilot with a Canadian bureau in which on-time ROSCA payments could count as credit history.
Is using a ROSCA calculator free?
Yes. The Wiremi ROSCA calculator is free to use, with no sign-up required. It works for njangi, susu, esusu, ajo, paluwagan, tanda, kameti, hui, stokvel, partner, and any other rotating savings circle.