Stokvel Calculator
Work out your payout amount, rotation schedule, or savings pot in seconds. Supports both rotation (ROSCA) and savings stokvels.
Your Numbers
Each member's payout
R6 000
12 members × R500 = lump sum per rotation
Full rotation cycle
12 months
Every member gets one payout before the cycle restarts
You contribute in total
R6 000
12 contributions of R500
You receive in total
R6 000
Same amount — rotation is about timing, not profit
Want to track this automatically? Zeturi handles contributions, rotations, and arrears for you.
How to Calculate a Stokvel Payout
- Choose your stokvel typePick rotation (ROSCA), where one member is paid in turn each cycle, or savings, where the pot is shared at the end.
- Enter your numbersAdd the number of members, the contribution amount, and how often members contribute.
- Read your resultsSee each member's payout, the length of the full rotation cycle, and the total pot.
Stokvel Calculator: Common Questions
How do I work out a stokvel payout?
In a rotation (ROSCA) stokvel, each member's payout equals the contribution amount multiplied by the number of members. For example, 12 members contributing R500 each gives a payout of R6 000 per rotation. This calculator does the maths for both rotation and savings stokvels.
What is the difference between a rotation and a savings stokvel?
In a rotation stokvel, the full pot is paid to one member each cycle, in turn, until everyone has had a turn. In a savings stokvel, contributions build up and are shared at the end of the cycle. This calculator supports both.
Is the stokvel calculator free?
Yes. It is free to use, needs no account, and asks for no credit card. If you later want to track contributions and rotations automatically, stokvels run on Zeturi's Basic plan from R149 per month per scheme, paid from the group's pot.
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