No tech background needed. If you can use WhatsApp, you can run a stokvel on here. Below is every tool we offer, who it's for, and exactly how to use it — step by step.
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You get one screen that shows exactly who's paid, who hasn't, and when the next payout is due — updated live, on any device, without you having to chase a WhatsApp scrollback. Every tool below either saves you admin time or protects you from being wrongly accused of mishandling funds (because nothing counts until the member confirms it too).
You get proof — in your own hands — that your contribution was recorded, and a clear view of when your payout is coming. No password to remember, no app to install, and a direct, private way to flag a problem if something ever feels wrong.
Every one of these is included — nothing here is an upsell inside your plan tier. Items marked Hosted only apply to our fully-hosted plans, where we're the ones vouching for the group.
Pick the stokvel structure that matches how your group actually works: everyone contributes and one member takes the pot on rotation, or everyone saves together toward one shared goal.
No password to create, forget, or reset. Members type their email, get a one-tap link, and they're in — signed in on that device for weeks afterward.
A contribution only counts as paid once both the treasurer and the member confirm it. Every action is logged permanently and visible to the whole group — nothing can be quietly edited.
Members earn XP and badges for consistent, on-time contributions, building a visible trust score over time — a bit like a credit score, but for reliability inside your own group.
A private button any member can use to flag a treasurer, another member, or anything that doesn't feel right. It goes straight to a site administrator — never to the treasurer — so it stays useful even when the concern is about them.
One-tap reminder buttons that open WhatsApp with a friendly message already typed out — the amount due, the date, all filled in. Treasurers can also queue up reminders for everyone who hasn't paid a round in one go. No app to connect, no monthly fee, works forever.
For hosted stokvels, members can verify their identity during onboarding. Everything submitted is encrypted, every time it's viewed is logged, and it's automatically deleted after a set retention period.
Once a group's treasurer has completed ID verification, the group shows a small "✅ Verified" badge — inside the app and on the public Stokvel Groups directory. It's not a guarantee, just an honest extra signal for anyone deciding whether to join.
The treasurer's phone and a member's laptop are reading the same numbers — not separate copies. Confirm a payment on one device and it updates everywhere instantly.
A free, standalone tool — no sign-up needed — that works out exactly what you'll pay in and get out for any rotating payout or savings pot setup, with a full round-by-round schedule.
A free, opt-in public directory where treasurers can list their group to attract new members — area, type, and open spots only. Never member names, balances, or contribution history.
Every member sees exactly when their own payout lands, in plain language — and can download a real calendar file (.ics) with every round's date, for Google, Apple, or Outlook calendars.
Any member can download their own contribution history as a clean, printable statement — useful for their own records. Generated straight from the group's real data, nothing separate to maintain.
Stepping back or bringing someone new in to run things? Balances get snapshotted, and the role only actually moves once both the outgoing and incoming treasurer confirm — logged permanently either way.
A member who can't pay a round can request it be excused, with a reason, instead of just going quiet. The treasurer approves or declines — and an approved round doesn't count against that member's trust score.
Written for someone who has never used an app like this before. Pick whichever one describes you.
Choose Rotating Payout or Savings Pot, set the contribution amount and how often it's due, then type in your members' names and email addresses. Takes about five minutes.
Each member receives an email with a one-tap link. You don't need to explain passwords or downloads to anyone — they just click and they're in.
Bank transfer, cash, whatever your group uses today. We never touch the money — we only help you keep an honest record of it.
It won't show as paid until the member also confirms on their side — that's the safeguard that protects you from being wrongly blamed later.
Tap the 💬 icon next to anyone who hasn't paid yet — it opens WhatsApp with a polite reminder already typed out. Just hit send.
Tap to confirm you paid out, the recipient taps to confirm they received it. Once both agree, it's locked into the record — permanently.
You'll get a message with a link. No app store, no download — it opens straight in your phone or computer's browser.
That's your sign-in — no password to create or remember. You'll stay signed in on that device for weeks afterward.
Your screen shows the amount, the due date, and whether it's already been marked as paid.
Bank transfer or cash, same as always. After you pay, tap the confirm button on your side — this is what protects you from ever being told "we never got it."
It's a private button on every group page. Your message goes straight to a site administrator, never to your treasurer, and you can choose to stay anonymous.
Five safeguards working together — not one single point of trust that could fail.
Nobody can mark money moved alone.
Every action is logged and visible to the group, forever.
A private channel straight to an admin, bypassing the treasurer.
Treasurer changes require both sides to agree — records can't quietly vanish.
Hosted plans only — encrypted, access-logged, auto-deleted.
Pick the path that fits how your group already operates — you can always change later.
No website needed. Your treasurer signs up and runs everything from our dashboard. 30-day free trial, no card required.
Start free trial →We build and host a branded site for your group — your name, your domain, fully managed by us.
See hosted plans →Already run WordPress? Install the plugin on your own site and manage everything yourself, free.
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