Known by many names around the world
Four simple steps to collective financial empowerment
Set contribution amount, frequency, and member count. Your circle, your rules.
Share a link or invite by email. They join with one tap, with zero friction.
Each round, all members pay the same amount. Use any payment method.
Each round, one member receives the full pot. Rotate until everyone wins.
The Circle in Action
8 Members
Contribute
$1,600
The Pot
Collected
Each Round
1 Person
Gets Paid
8 Members Contribute
$200 each
$1,600
The Pot
Collected each round
1 Person Gets Paid
Full pot goes to them
Tanda
Mexico & Latin America
BC
Pakistan
Kitty Party
India
Susu
West Africa & Caribbean
Hui
China & Vietnam
Stokvel
South Africa
Tontine
West & Central Africa
Arisan
Indonesia
Equb
Ethiopia
Chama
Kenya
Paluwagan
Philippines
Daret
Morocco
For generations, communities worldwide have saved together. A small circle of trusted people each contribute the same amount regularly, and each round, one person takes home the full pot.
No banks, no interest, just people helping people. Your mom, your abuela, and your auntie have been doing this for years with a notebook. Payout just brings it online.
💡 Did you know? Over 200 million people participate in rotating savings circles worldwide, managing an estimated $50 billion in annual contributions.
Savings circles aren't just tradition. They're backed by 15 peer-reviewed studies from the World Bank, Federal Reserve, and leading economics journals.
Zero interest. Zero debt. Proven to empower women, reduce poverty, and include the unbanked across six continents and three decades of research.
Purpose-built for real people managing real money
Create a group, invite your people, set the amount and schedule. Everyone knows when they pay and when they get paid.
Log payments as cash, check, Venmo, Cash App, Apple Pay, or Zelle. Recipients verify they received, so there are no disputes.
Get reminders before payments are due and before your payout. One-click pay links make it effortless.
Designed for mobile first. No app to download. Just open your browser. Simple enough for everyone.
Cash, checks, Venmo, Cash App, Apple Pay, and Zelle are all supported. Use whatever your circle prefers.
Already running a group? Bring it online without starting over. Import past rounds and payments in minutes.
Security, speed, and transparency at every step
Your data is encrypted end to end. We never touch your money. We only track it.
Create your first circle in under 60 seconds. No paperwork, no approvals.
Every payment is logged and verified. Everyone sees the same real-time picture.
We know you're the one keeping track of everything: who paid, who didn't, and who's next. Payout handles the headache so you can focus on your community.
Send Reminder
2 pending
Next Payout
Ana P.: $1,600
0M+
People in ROSCAs
$0B
Annual Volume
0%
Free Forever
0+
Pay Methods
Our members are saving for weddings, homes, cars, education, and more. They have told us what they need. If your business can help, we will connect you at the right moment.
No interruptions. No data sold. Just relevant offers that help members make the most of their savings.
No minimums. Cancel anytime.
Join thousands of communities worldwide. Set up your first group in minutes. No download, no fees, no catch.
No credit card required · No hidden fees · Free forever