Committee Calculator & Tools — Pakistan
Free online tools to manage savings committees in Pakistan — calculate the monthly pool, spin a fair winner wheel, and generate a complete payout schedule. Works for any ROSCA, bisi, or chit fund group.
A committee (also called ROSCA or "bisi") is a rotating savings group where members contribute a fixed amount monthly, and one member receives the full pool each turn.
Use the Winner Wheel to add all participant names and spin for a random, transparent, and unbiased monthly selection. All processing happens in your browser.
No participant data is ever sent to our servers. Everything runs locally in your browser and is cleared when you close the page.
How the Committee (ROSCA) System Works in Pakistan
The committee system — known as ROSCA (Rotating Savings and Credit Association) globally and as "bisi" or "committee" in Pakistan — is one of the oldest informal financial tools in the country. Here is how a typical cycle works:
- 1
Members agree on an amount
A group of trusted individuals agrees on a fixed monthly contribution — for example Rs. 10,000 per month each.
- 2
A payout order is set
A random draw (or agreement) determines which member receives the full pool each month. This order is fixed for the entire cycle.
- 3
Monthly contributions are made
Every month, all members contribute their fixed amount to the organiser (committee head / "head"). The organiser pools the funds.
- 4
Pool is paid to the winner
The full pooled amount is handed over to the member whose turn it is that month. They keep it all — no deductions, no interest.
- 5
Cycle repeats until complete
The process repeats every month until every member has received the pool exactly once. The cycle then either ends or restarts by mutual agreement.
Worked Example — Rs. 10,000 Committee with 10 Members
To make the numbers concrete, here is a typical Pakistani committee example:
| Detail | Value |
|---|---|
| Number of members | 10 people |
| Monthly contribution each | Rs. 10,000 |
| Monthly pool (total) | Rs. 100,000 |
| Duration | 10 months |
| Each member receives | Rs. 100,000 (once) |
| Each member pays in total | Rs. 100,000 (over 10 months) |
| Net gain / loss | Rs. 0 — pure interest-free rotation |
In this example the member who receives in Month 1 gets Rs. 100,000 having paid only Rs. 10,000 so far — effectively an interest-free advance. The member who receives in Month 10 has already paid Rs. 90,000 before receiving — effectively a savings completion payout. Both receive the identical total amount.
Advantages & Disadvantages of Committee System in Pakistan
Before joining or organising a committee, understand the genuine benefits and real risks:
Advantages
- Interest-free way to access a large lump sum
- Encourages disciplined monthly saving
- Zero paperwork or bank approval needed
- Stronger for recipients who get early turns
- Socially binding — community accountability
Disadvantages & Risks
- Relies entirely on member trustworthiness
- No legal protection if someone defaults
- No returns on capital (no interest earned)
- Late recipients bear time-value-of-money loss
- Difficult to exit mid-cycle without replacement
6 Best Practices for Running a Safe Committee in Pakistan
Following these practices significantly reduces the chance of disputes, defaults, and financial loss in your committee:
Only invite people you fully trust
A committee relies entirely on mutual trust. Limit membership to close family, long-term colleagues, or friends you know personally. Avoid admitting strangers or casual acquaintances — even one unreliable member can collapse the entire cycle for everyone.
Set a comfortable, realistic contribution amount
Choose a monthly amount every member can pay without financial strain — even in difficult months. If the amount is too high, members may default mid-cycle. A common guideline: the monthly contribution should be no more than 10–15% of the lowest earner's monthly income in the group.
Document everything in writing
Write down the agreed contribution amount, payout order, start date, and what happens if someone misses a payment — then have all members sign it. A simple written agreement dramatically reduces disputes. WhatsApp screenshots and group chats can also serve as evidence.
Use a transparent, random payout order
Use our Winner Wheel or Schedule Generator to assign payout turns randomly and openly, rather than letting a single organiser decide. Randomness removes accusations of favouritism and gives every member an equal chance of receiving early in the cycle.
Collect contributions before paying out
The organiser should collect all monthly contributions first, then release the payout to the winner. Never pay out on credit or promise — late contributors should pay a penalty or the payout should be delayed until all funds are received.
Prefer bank transfers over cash
Collecting payments via bank transfer (EasyPaisa, JazzCash, or direct bank transfer) creates an automatic payment trail and reduces the organiser's personal risk. Cash handling is prone to loss, disputes, and accusations of misappropriation.
Committee System FAQ — Pakistan 2024
Answers to the most searched questions about committees, ROSCA, and bisi in Pakistan.
This tool is for informational purposes only. PakFinance Hub does not facilitate, endorse, or manage any committee or financial arrangement. Always exercise independent judgement and consult a financial advisor for complex situations.