The free toolkit that ends payout disputes, tracks every contribution automatically, and shows you exactly what your group savings are worth — before you need it.
Built for group organizers running Ayuuto, Hagbad, Equb & Chama cycles
Everything you need to run a group savings cycle without the arguments, the guesswork, or the awkward WhatsApp messages.
"Stop losing friends over Ayuuto disputes — get every rule in writing before the next contribution is due."
"Never argue about whose turn it is again — one sheet does your whole Hagbad payout schedule for you."
| Member | Cycle 4 |
|---|---|
| Amina | Paid |
| Hodan | Paid |
| Sahra | Due |
| Nimo | Upcoming |
"See exactly when your payout lands and what it's actually worth — in 30 seconds, no math required."
Our group ran for two years on memory and trust alone. The first time someone missed a payment, nobody knew what to do. Having it written down changed everything.
No. The spreadsheet works in Google Sheets or Excel, and the agreement template is a fill-in-the-blank document. If you can send a WhatsApp message, you can use this.
Yes. You can start using the tracker and agreement at any point in your cycle — most groups adopt it right after their first dispute or missed payment.
No. Only the organizer needs the toolkit. Members just need to see the shared tracker and sign the agreement — no app download required for them.
Yes. Your tracker and agreement are yours — nothing is shared publicly or with other groups. You control exactly who sees it.
All of the above. The toolkit tracks contributions and payouts regardless of how your group actually moves money.
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No spam. Just the three tools that make your Ayuuto run itself.