Group savings, done the modern way
Form a private savings club with people you trust, contribute a fixed quota amount, and take turns receiving the full pooled payout — with receipts, approvals, and a shared calendar keeping everyone on the same page.
Closed clubs
6, 12, or 24-month savings circles with people you invite.
Verified payments
Members report each payment with proof; the admin reviews and approves it.
Full transparency
A shared calendar and status table show every due date, payout, and payment at a glance.
What is a san?
A san — known in other countries as a tanda, cundina, junta or susu — is a savings club. A group of people who trust each other each put in the same amount on a regular schedule, and every time they do, one member receives everything that was collected. The club continues until each member has had a turn.
Ten people paying $100 a month collect $1,000 every month, and over ten months each of them receives $1,000 once. Nobody earns interest and nobody pays any: it is a way of saving together, and of getting a lump sum earlier than you could have saved it alone.
How SanSavingClub helps
- 1
Set up the club
The organizer enters the quota and the schedule, shares an invite code, and assigns or draws the turns.
- 2
Report each payment
Members pay each other directly, then report the payment with its date, method and receipt.
- 3
Everyone sees the same record
The organizer approves payments and marks each turn as paid. The calendar shows what is due and who is next.
Guides
Practical guides to running a savings club well.
What is a san? How rotating savings clubs work
A san — also called a tanda or savings club — is a group of people who each put in the same amount on a schedule and take turns receiving the whole pot. Here is how it works, with a full example.
Before you join a san: what to ask and what to expect
Joining a savings club is a commitment that lasts months. The questions to ask the organizer, how to check that you can afford it, and what the group will expect from you.
How to organize a san, step by step
From choosing the members to paying out the last turn: the decisions an organizer has to make before a savings club starts, and the routine that keeps it running.
How to decide the order of turns in a savings club
The first turn and the last turn of a san are very different positions. What each one means, the usual ways of assigning turns, and how to keep the order fair.
The rules every savings club should agree on before starting
A san has one rule that matters more than all the others, and a handful of practical ones that prevent most disputes. A list to go through with your group, and a sample agreement you can adapt.
What to do when someone pays late or stops paying
A late quota, a member who needs to leave, a member who has already received and stops paying: how an organizer can handle each case without letting it sink the club.
The risks of a savings club, and how to reduce them
A san has no bank or insurer behind it. The real risks, the habits that keep a club safe, and how to tell a genuine savings club from a scheme that only borrows the name.
Plan a club before you start
Enter the number of members and the quota to see the pot per turn, how long the club lasts and the date of every turn.
Open the calculatorPut the rules in writing
Fill in your club's quota, dates and late-payment rule and get a short written agreement to share with the group before the first payment.
Create the agreementFrequently asked questions
Does SanSavingClub hold or move my money?
No. Members pay each other directly, by the method their club agrees on. SanSavingClub keeps the record: who paid, when, how much and with what proof.
Which payment methods can a club use?
Any method the group agrees on. When members report a payment they mark it as Zelle, Cash App, bank transfer, cash or other, and can attach a receipt.
Who can see my payments?
The organizer of a club can see its full payment history and member list. Other members see what the club's settings allow — by default your name, your turn and your payout date.
Can I add a club that has already started?
Yes. You can add it as an ongoing club and continue from the cycle it is currently on.
What happens if someone does not pay?
SanSavingClub cannot make anyone pay, but it shows clearly who is behind. Each club sets its own grace period and late fee. Our guide on late and missed payments explains how an organizer can handle each case.
Is it available in Spanish?
Yes. The website and the app are available in English and Spanish.