# Savings Circle: Group Savings — Paluwagan & susu record book

> Paluwagan & susu record book (iPhone/iPad app by Hashim Sultan Abbasi.)

- Source: https://appshunter.io/ios/app/savings-circle-group-savings/id6817091631 (this page in markdown: same URL + `.md`)
- Developer: [Hashim Sultan Abbasi](https://appshunter.io/developer/1848195327)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 22 MB
- Languages: American English, Amharic, Arabic, Bangla, Filipino, French (France), Hausa, Hindi, Indonesian, Korean and 11 more
- Released: 2026-10-01
- Data updated: 2026-10-29

## What is Savings Circle?

Run your paluwagan, susu, committee or savings group from one clear record book on your iPhone: who paid, who is late and whose turn is next. Savings Circle never holds or moves your money.

Draw the payout order in front of everyone, get a polite reminder ready to send with one tap, and keep a dated history of every payment and payout. Only you need the app; your members don't install anything.

In a rotating savings group (ROSCA), people who know each other pay the same amount each round and one member receives the whole pot, until everyone has had a turn. Savings Circle is made for the organizer, the person who keeps the books. It replaces the paper notebook and the calendar on the fridge.

Set up a group
• Name each group and pick its type: Paluwagan, Committee, Susu, Tanda, Chama, Arisan, Savings circle or Other. That word shows up on screens, reminders and statements.
• Set the currency (one of 24, such as USD, PHP, INR, NGN or MXN), the amount per round, the schedule (weekly, every two weeks, monthly or custom), the first due date and a grace period before a payment counts as late.
• Add members by name, with an optional phone number, and pick the language each member's reminders use.

A payout order everyone can see
• Draw the order at random. The app saves a code (the seed) with the result, so the draw can be checked later. Once made, a draw can't be redone.
• Or drag members into the order your group agreed on.
• Share the draw result card, seed included, in the group chat.

Payments and proof
• The Today screen shows who has paid, who is late and who is next.
• Log each payment's amount, method, date and reference.
• Attach a screenshot or receipt photo as proof. Images stay on your iPhone, and the app flags an image already used for another payment.
• Mark proof as verified or reject it, and send the member a receipt message.

Polite reminders
• One tap opens a pre-written reminder in WhatsApp, SMS or Telegram; you review it and tap Send yourself. The app never sends messages on its own.
• Friendly, due-today and late wording, in any of the app's 19 languages, chosen per member.

Payouts and history
• Record who received the pot; they can sign on screen to confirm.
• Confirmed payouts are locked. Corrections are added as new entries, so the history is never rewritten.
• If someone drops out midway, replace them; their history stays on record.
• Share per-member statements or the full group ledger as a PDF, or a members-by-rounds grid as a CSV spreadsheet (with Pro).

Made for iPhone
• Ask Siri "Who is late in Savings Circle" or "How much is left to collect in Savings Circle", or add either one to Shortcuts.
• Lock the app with a PIN and open it with Face ID or Touch ID.
• Optional Sign in with Apple, Google or email keeps your groups on your account, so they come back on a new phone.
• Works offline, without an account. Export a password-protected backup file any time.

Just a record book
Savings Circle only keeps the record of your rotating savings group. It does not hold, collect or transfer money. There is no in-app balance and no link to your bank account or cards. Members keep paying the way they already do, in cash, by bank transfer or with a payment app, and you record it.

Every community has its own word for group savings. It is a paluwagan in the Philippines and a committee or kameti in Pakistan and India. It is a susu in Ghana and the Caribbean, a pardner in Jamaica and the UK, and an equb in Ethiopia. Whatever the name, the organizer asks the same question every round: who has paid? One look at Savings Circle tells you.

App languages: 19, including English, Spanish, Vietnamese, Portuguese, Arabic and Urdu, chosen in the app. Number formats and suggested payment methods follow your region.

Savings Circle is free for your first group.

Keep the tradition, lose the notebook: your group savings, in one clear record.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Savings Circle Pro monthly | $2.99 | per month |
| Savings Circle Pro yearly | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Group pass | $4.99 | one-time |


## Is Savings Circle safe?

Not enough ratings yet to assess Savings Circle.

## Is Savings Circle legit?

Savings Circle: Group Savings appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Savings Circle is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.12 — 2026-10-28

• Payments to approve now show the screenshot right on the card. Open it full screen to zoom in and look around, then save it to your photos.
• Rejected a payment? A copy of its screenshot stays on your phone, under "Rejected payments".
• On a round, tap Preview beside a member who has paid to see their screenshot. Check proof lets you zoom in and save it too.
• My payments now shows your next three dues.
• Invite works right away for a member you've just added.
• In a charity fund, "Open round" is now a clear button.
• Smaller fixes and polish.

### 1.11 — 2026-10-27

• New: "Pay out when needed" groups are now a charity fund. Everyone pays monthly, and you pay out to anyone, any amount, whenever it's needed, with the pool's balance always in view.
• Record more than what's due to pay ahead. The receipt shows every round it covers.
• Settings, redesigned, and a new Profile: change the name members see and your phone number, and see how you sign in.
• See the devices signed in to your account, and sign one out.
• First time here? Create an account right from the welcome screen, so your groups are backed up from day one.
• Now in Korean and Traditional Chinese.
• A group made with the sample list now says its members aren't real.
• Smaller fixes and polish throughout.

### 1.9 — 2026-10-14

• New: share a recorded payout as a receipt card, ready for your group's chat.
• Add a note and a photo or screenshot as proof to any payout, even after it's locked. Both are backed up with your account.
• Tap a round number or any square in the ledger to see that round in full.
• Share your group's live link so members can follow the progress, and open live links right in the app.
• On the Members tab, send each member their personal link and see who has joined.
• Add members straight from your contacts.
• Search the long currency and country lists.
• A cloud on Today shows whether your groups are backed up.
• Smaller fixes and polish throughout.

### 1.8 — 2026-10-10

• New: Savings Circle on Apple Watch. See who has paid this round, mark a payment as paid with a tap, and send reminders from your wrist.
• Watch face complications and Smart Stack widgets show how much of your round is paid and your next payment.
• Designed for iPad: your groups in a sidebar, Today in two columns, the whole ledger on one screen, and each group beside its current round.
• Fits any window on iPad, from Split View to full screen, in portrait or landscape.
• "Still to collect this month" on Today now includes overdue payments, so the total and the member count always match.
• The lock screen shows Touch ID on devices that use it.
• Smaller fixes and polish throughout.

### 1.6 — 2026-10-06

• 11 more languages: Portuguese, Filipino, Vietnamese, Turkish, Hausa, Yoruba, Somali, Amharic, Bengali, Nepali and Persian.
• 10 more currencies and regions, including the taka, Nepali rupee, dong, Turkish lira, birr, cedi and metical, with local payment methods such as bKash, eSewa, MoMo and telebirr.
• Undo: marked a payment by mistake? Tap Undo.
• Smoother screens: payments, reminders, the live draw and payouts now animate to show what changed.
• A cleaner tab bar on iOS 26, with New group at the top of Home and Groups.
• Sign-in codes are easier to type, and greetings use the right name in Vietnamese.

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All apps by Hashim Sultan Abbasi: https://appshunter.io/developer/1848195327

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-29.*