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The Stokvel Calculator

A stokvel (also called a chama, esusu, or susu depending on the country) is a rotating savings group — a fixed group of people who each contribute the same amount regularly, with the full pot going to a different member each round until everyone has been paid. This tool shows the pot size, how long a full rotation takes, and compares saving in a stokvel against saving the same amount alone. It's useful because it reveals what a stokvel actually does for you: not more money, but earlier access to a lump sum if you draw early, or forced savings discipline if you draw late.

10 people
330
₦10,000
500200,000
The pot, every round
₦100,000
A full rotation takes 10 months — everyone gets paid once.
Saving alone10 months to reach ₦100,000
In the stokvel — your turn is firstFull pot, month 1
You pay in, total
₦100,000
You receive, total
₦100,000
The lesson behind the number

Everyone pays in the same amount, and everyone gets back exactly the same amount. The stokvel doesn't make you richer — it changes when you get access. Draw early and it works like a loan. Draw late and it works like forced savings. Either way, you never pay interest.

Where Africans actually save.

Rising Lion Money covers the real financial systems Africans built and use — stokvels, chamas, susu, and the money moves banks never taught you. Free, every week.

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