Group savings, done right
Save together.
Get paid in turn.
FundCircla turns your savings circle into a simple, automatic thrift. Everyone contributes each cycle, everyone gets paid out in full on their turn — no spreadsheets, no chasing people down.
- Automatic rotation & payouts
- Every contribution tracked per thrift
- Built-in chat for every group
What is a thrift?
A rotating savings plan, without the manual bookkeeping.
A thrift runs inside a group: everyone puts in the same amount each cycle, and the full pot goes to one member per cycle until everyone has been paid out once. FundCircla tracks contributions, positions, and payouts automatically.
- Every member contributes a fixed amount, every cycle
- One member is paid out the full pooled amount per cycle
- Your rotation position is fixed and visible from day one
How it works
From group to payout in four steps
Create or join a group
Start a group in a few taps, or join one with people you already save with.
Set up a thrift
Agree on a contribution amount and cycle length. Everyone joins on equal terms.
Contribute each cycle
Every member pays in on schedule. Overdue contributions are flagged automatically.
Get paid on your turn
The full pooled amount is paid out automatically, once per cycle, in rotation order.
Features
Everything a savings circle actually needs
Automatic rotation tracking
Your position in the payout order is set when you join and visible on the thrift's details screen.
Contributions & payouts, handled for you
Every contribution and payout runs through our payment partner — no manual transfers between members.
Multiple thrifts per group
One group can run several thrifts at once, or one after another, side by side.
Built-in group chat
Coordinate contributions and payouts without leaving the app or starting a separate chat thread.
Overdue alerts
Missed contributions are flagged automatically, so nothing slips through unnoticed.
Create a group in minutes
Start a group, add a thrift, and invite members — all from the Groups tab.
See it in action
Your groups, thrifts, and payouts — in one place
A clean, focused view of every group you're part of, where you stand in the rotation, and what's coming up next.
How your money moves
Built so no one has to trust a spreadsheet
FundCircla removes the manual handoffs that make group savings risky — here's how contributions and payouts actually work.
Processed through our payment partner
Contributions and payouts move through a payment partner, not directly between members' personal accounts.
Payouts follow a fixed schedule
Each thrift pays out automatically based on the rotation order — never a manual, ad-hoc transfer.
Every contribution is tracked per thrift
Members can see contribution status and rotation position at any time from the thrift's details screen.
Ready to start a thrift with people you trust?
Create a group, set your contribution amount, and let FundCircla handle the rotation.