Tontine calculator

Plan a tontine (rotating savings group): the pot each round, who receives when, and how much each member pays over the whole cycle.

How it works

  1. Enter the number of members and the contribution per round.
  2. Each round, everyone pays and one member receives the pot.
  3. The cycle ends when every member has received once.

Questions

Is it better to go first or last?

Going first is an interest-free advance you repay later, but it carries the risk of leaving the group owing money. Going last means you lend to the group first. Agree on the order and the rules in writing.

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