Your groups
My Chit Funds
Manage your groups and track every cycle.
Your data stays on this device. No account required.
Simulator
Track every bid, payout and balance — one round at a time.
Group setup
Shortfall rule
Group state
auto-saves to this browser
Loan comparison
See how each chit outcome compares with a conventional bank loan.
Loan comparison settings
Each winner's chit outcome is converted into an equivalent annualized interest rate (same principal, same fixed monthly installment, same tenure) so it can be compared directly against the bank rate above. This conversion always uses reducing-balance math, since that's the only way an "interest rate" is meaningfully comparable — the method selector below doesn't apply here.
Chit rules
Export & backup
Keep a copy of your chit data or share a report with your group.
Which chit funds?
Share with a friend
Creates a link with a full, editable copy of the selected fund(s). When your friend opens it, they are asked to add it to their Chit Ledger. It is a one-time copy: later changes on either phone are not synced.
Got a link from a friend?
Data export & backup
JSON is a full backup — import it later (same device or a different one) to restore these funds exactly as they are. CSV is for opening the ledger in Excel/Sheets; it isn't meant to be re-imported.