Every contribution. Clearly accounted for.
Stokvela is a free WhatsApp ledger that helps stokvel treasurers track payments, schedule payouts, and give every member a record they can trust.
No app download. Start where your group already talks.
This cycle
A clear record for all
Built for the first cycle
A practical promise, not borrowed trust.
Records stay visible
Payments and confirmations are timestamped for the group.
Treasurers stay in control
You confirm entries while members can follow the cycle.
WhatsApp comes first
No new platform to teach your group before saving together.
A calmer way to run a stokvel
One shared rhythm from payment to payout.
Stokvela turns the messages, reminders, and notebook checks around each cycle into a simple, searchable record.
01 — Log every contribution
Cash, EFT, or e-wallet — one ledger.
A member reports a payment, the treasurer confirms it, and the cycle record updates. No more hunting through old chats to answer who paid.
Member-by-member view
See paid, pending, and confirmed contributions at a glance.
Timestamped dispute log
A clear trail when the group needs to settle a question.
02 — Keep the cycle moving
Reminders that arrive before the awkward follow-up.
Set contribution and payout dates, then let Stokvela help the group stay on the same page.
03 — Share the proof
A monthly Health Score your members can understand.
Generate a clear, shareable snapshot of the cycle — made for the group chat, not a spreadsheet.
Simple by design
Start with a free, transparent ledger.
We are validating Stokvela with real groups first. Core contribution tracking, reminders, and Health Scores are free during this early phase.
Founding Stokvel
For treasurers ready to organise one active group on WhatsApp.
- Contribution logging and treasurer confirmations
- Cycle and payout reminders
- Shareable monthly Stokvel Health Score
- Payment history and dispute record
Make every cycle easier to trust
Give your stokvel a record everyone can stand behind.
Bring your group together on WhatsApp and start building a clearer saving habit, one confirmed contribution at a time.