Hagbad vs AyuutoCircle

Hagbad helps people organise and manage group savings. Group savings are when a group of people agree to contribute the same amount of money regularly, and each member receives the total amount once during the cycle. It is a simple way for communities to save money together and access a larger lump sum when it is their turn. For example, if 10 people each contribute £100 every month, the group pot becomes £1,000. Each month a different member receives the £1,000 until everyone has had their turn. This system has existed for generations around the world. You may know it by different names such as: Hagbad Ayuuto Equb Pardna Committee Chit funds ROSCA Hagbad makes it easier to organise and manage these savings groups digitally. Instead of tracking payments through group chats, spreadsheets, or notes, Hagbad keeps everything in one place so members can clearly see contributions and payouts. What you can do with Hagbad Create a group savings circle Invite friends, family, or people you trust Set the contribution amount and payment schedule See the payout order for the group Track who has contributed each round Keep a clear record of the savings cycle Why people use group savings? Group savings help people: Save consistently Access a larger lump sum of money Support each other financially Stay disciplined with saving Hagbad helps make this process organised and transparent for everyone in the group. Save together. Stay organised. Manage your group savings with Hagbad.

AyuuutoCircle is the easiest way to run a savings circle with family and friends. Whether you call it an Ayuuto, Susu, Tanda, Chit Fund, Hui, or ROSCA — AyuuutoCircle keeps everything organised so you can focus on saving together. WHAT IS A SAVINGS CIRCLE? A savings circle is a trusted group of people who each contribute a set amount regularly. Every cycle, one member receives the full pot. It's a proven, community-driven way to save and access a lump sum — used by millions of families worldwide. HOW IT WORKS 1. Create or join a circle 2. Members contribute each cycle 3. One member receives the full payout per cycle 4. Repeat until everyone has received their payout KEY FEATURES • Create unlimited circles and invite members via a shareable link • Track who has paid and who is still pending at a glance • Animated progress ring shows collection status in real time • Automatic payout scheduling keeps the order fair and transparent • Payout history so every cycle is accounted for • Group chat to keep members coordinated • Full dark mode support • Simple Mode for accessibility PREMIUM Upgrade once, own it forever: • Send payment status summaries directly to WhatsApp • Export financial statements • Unlimited circles • Ad-free experience & priority support BUILT FOR TRUST Ayuuuto Circle puts transparency at the centre of every circle. Organisers mark payments, members see their standing, and everyone stays on the same page. Download free and start your first circle today.