Chama payout planner

Plan who gets paid, when they receive it and what each member contributes.

Kenya · No sign-up · Calculated in your browser

Start with these example figures, then enter your own.

Your group

Number of members

Or add names in payout order below.

Each round’s contributions

Contribution per member (KES)

Welfare per member (KES)

Collected on top; not part of the pot.

Timing

Round every

Week2 weeksMonth

First round date

Add names in payout order (optional)

Members in payout order (optional)

One name per line, in payout order. This list sets the number of members.

Payout schedule

Each member receives the pot once. Welfare is collected separately.

Round	Date	Receives the pot	Pot	Welfare
1	1 Nov 2026	Member 1	KES 16,000.00	KES 1,600.00
2	1 Dec 2026	Member 2	KES 16,000.00	KES 1,600.00
3	1 Jan 2027	Member 3	KES 16,000.00	KES 1,600.00
4	1 Feb 2027	Member 4	KES 16,000.00	KES 1,600.00
5	1 Mar 2027	Member 5	KES 16,000.00	KES 1,600.00
6	1 Apr 2027	Member 6	KES 16,000.00	KES 1,600.00
7	1 May 2027	Member 7	KES 16,000.00	KES 1,600.00
8	1 Jun 2027	Member 8	KES 16,000.00	KES 1,600.00

This tool is an illustration calculated in your browser; nothing you enter is sent or stored. Your group’s own rules, your loan agreement and your regulator decide the real figures. SenteRail is software, not a lender, bank or adviser.

How a merry-go-round works

Every member pays the same amount each round and one member receives the whole pot. The rotation continues until every member has received the pot once. Over a full cycle, what each member pays equals the pot they receive, which is why the order and dates are what members care about.

Welfare and fines

Many chamas collect a welfare amount on top of the contribution. The planner shows it separately and keeps it out of the pot. Fines and what happens to a missed round are not modelled; they belong in your constitution.

From the plan to the record

Keep each member’s contribution records together in SenteRail, with access to their own statements. This standalone planner helps you work through an example; it does not schedule payments in the product.

Questions about merry-go-round rounds

How the planner works and what it leaves to your constitution.

Does every member receive the same amount?

In a plain merry-go-round, yes. Every member pays the same amount each round and each member receives the full pot once, so what each member pays over the cycle equals the pot they receive.

How is welfare handled?

Welfare is collected on top of the contribution each round and kept apart from the pot. It is not paid to the round’s recipient; your group decides how the welfare fund is used.

Is this the same as table banking?

No. Table banking pools savings that members then borrow from, with interest. This planner covers the rotating pot only. For loans from a pool, use the loan repayment calculator.

What about late payments and fines?

They are not modelled. Fines and what happens when a member misses a round belong in your group’s constitution.

Run this on one shared record

SenteRail is the Back Office for officials and the Member App for members. Register your group, or read how it fits yours.