Start free, upgrade when you need more. No hidden fees, cancel anytime.
Perfect for getting started
For growing savers
For serious savers & organizers
For organizations & large groups
We charge a small platform fee to cover payment processing, security infrastructure, and customer support. Circle organizers choose how fees are shown:
Fees shown upfront at contribution time.
You see exactly what you're paying and why.
Example (Premium Plan):
$50 contribution + $2.75 fees = You pay $52.75
Recipient gets the full $500 pot
Best for: Trust & full transparency
Fees deducted from payout.
Members pay exactly the contribution amount.
Example (Premium Plan):
You pay exactly $50
$500 pot - fees = Recipient gets ~$475
Best for: Clean UX, familiar experience
Platform fee: 2% (varies by subscription tier)
Payment processing: 2.9% + $0.30 per transaction (Stripe)
Total fees are the same regardless of model — it's just about when you see them.
Need your money faster? Get your payout within minutes instead of 2-3 business days.
1.5% instant transfer fee (min $0.50, max $15) applied to payout amount.
Available for all tiers. Premium and Business members get additional discounts.
Payments made after 48-hour grace period incur a 5% late fee (max $25).
60% goes to circle protection, 40% to platform operations.
Paid subscribers get late fee waivers (Starter: 1/yr, Premium: 2/yr, Business: 4/yr).
Compare getting your money NOW vs. waiting years with a traditional bank.
Yes! Upgrade or downgrade at any time. Changes take effect on your next billing cycle.
You'll be prompted to upgrade. Existing circles continue working, but you can't create new ones until you upgrade or remove circles.
Yes! Starter, Premium, and Business plans come with a 14-day free trial. No credit card required to start.
We offer a 30-day money-back guarantee on all paid plans. No questions asked.
Fees are deducted once when you receive the pot. Bank savings earn small interest over time; ROSCA gives you a lump sum sooner, which is useful for time-sensitive goals.
Yes. Earlier payouts are more valuable because you get funds sooner. Later payouts benefit slightly from bank interest but come with less time advantage.
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