Every shilling,
accounted for.
M-Pesa payments, loans, and contributions — recorded automatically, so nobody has to take your word for the balance.
Tell us your group type — we set the rest up
Pick Chama, SACCO, or Investment Club, and your accounts, loans, and contribution schedule are already set up. Nothing to figure out from scratch.
Savings & Investment Chama
- Monthly contributions, matched to each member automatically
- Loans for members, with guarantors and a repayment plan
- A welfare fund, fines, and meeting records — all in one place
- Shares that update in value, and a way for members to exit
Savings & Credit Co-operative
- Full accounting, with months locked once closed
- Staff records, roles, and performance reviews
- Bank statements checked against your books automatically
- Approvals that need a minimum number of people to sign off
Investment Club
- Share values that update automatically, and who owns what
- Declare and pay out dividends
- Members can ask to cash out their shares
- Every member can see how the investments are doing
Table Banking Group
- Members borrow from the shared table fund, in turn
- Short loans with simple interest, tracked daily
- At the end of each cycle, profit is shared out by what each member put in
- M-Pesa payments and reminders, built in
Special Purpose Fund
- Save together toward one goal — land, equipment, a project
- See how close you are to the target, any time
- Every member’s contributions tracked automatically, including M-Pesa
- When the goal’s met, close the fund and share out what’s left
The old way breaks as your group grows
Here’s what changes when you move off WhatsApp and spreadsheets.
“Most groups don’t die of fraud. They die of ambiguity.”
Everything your treasurer used to do by hand
M-Pesa, handled automatically
When a member pays by M-Pesa, RoundCircle sees it right away, records the receipt, updates the books, and matches it to the right member and month. Nobody types it in.
Instant · Automatic · No typingReal Accounting
Every payment is recorded twice, so the books always balance. Trace any payment from the M-Pesa message to the final entry, in seconds.
Payments Go Where They Should
Every payment is applied to the right month on its own. Extra money carries forward. Part-payments are tracked properly, not lost in a spreadsheet cell.
Loans
Set your interest method and require guarantors if you want. RoundCircle tracks repayments, applies penalties, and handles recovery if someone defaults.
Bank Reconciliation
Upload your bank statement and most lines get matched automatically — by reference, transaction ID, or phone number. You only check what's left.
Shares & Ownership
See exactly what each member owns. Values update on their own, and members can exit their shares once they're eligible.
Approvals
Decide who needs to sign off on payments, loans, and withdrawals. Nothing goes through without the right number of approvals.
Welfare & Fines
Welfare money stays separate from savings. Fines for missing or being late to meetings are tracked on their own, not chased down later.
For Every Member
Members can check their own contributions, loans, shares, and statements any time. Nobody has to call the treasurer to ask.
Staff & Appraisals
For SACCOs with paid staff — set roles, run appraisals, and keep records, all in the same place.
Up and running in three steps
Tell us your group type
Chama, SACCO, or Investment Club — pick one and your accounts and loan settings are ready to go. A checklist shows you exactly what's left before you start.
Members join and pay
Members join with an invite link. When they pay — by M-Pesa or cash — it's recorded right away and matched to the right month automatically.
It runs itself from there
Late payments get flagged, loan reminders go out, and your bank statement gets checked against the books — every night, without anyone doing it by hand.
A lot for the treasurer. Not much for members to learn.
Chama Admin and Treasurer
- Collect M-Pesa and cash payments — they're matched to the right member on their own
- Decide how many people need to approve a transaction, loan, or withdrawal
- Handle loans start to finish — application, payout, repayment, and recovery if needed
- Check bank statements against your books — most lines match on their own
- See and trace every entry in the ledger
- Close out the month so nobody can quietly go back and change it
- Update share values and handle members cashing out their shares
- Decide who can do what, and what needs approval
Chama Member
- See your contributions, loans, and shares at a glance
- Pay by M-Pesa — it goes to the right place automatically
- Apply for a loan, add guarantors, and track the approval
- See your loan repayments, one by one
- Download your contribution statement any time
- See how the group is doing overall. Other members’ details stay private unless your chama chooses to share them
- Ask to cash out your shares once you're eligible
- Get notified about reminders and approval decisions
Real double-entry accounting
Every transaction is recorded twice, so the books always balance. Every entry links back to where it came from — you can trace any payment from the M-Pesa message to the final entry.
Simple plans, upgrade only if you need to
Contributions, loans, welfare, and fines are included from the start — upgrade only if you need investment features.
Frequently asked questions
What is RoundCircle and who is it for?
RoundCircle is for Chamas, SACCOs, and Investment Clubs who are done running everything through WhatsApp and Excel. It handles real accounting, M-Pesa payments, loans, bank reconciliation, and approvals — the way groups like yours actually work.
Does RoundCircle work with M-Pesa?
Yes. When a member pays through M-Pesa, RoundCircle knows right away — the payment is recorded, added to the books, and matched to the right member. Nobody has to type anything in.
What loan interest options does RoundCircle support?
You can choose from three interest methods — Simple Interest, Reducing Balance, or Amortization. Each loan type has its own rate, term, grace period, and penalty for late payments, set up however your group agreed.
How does RoundCircle decide where a payment goes?
When a member pays, RoundCircle works out automatically where the money goes — spread evenly across what's owed, or applied to the oldest amount first, whichever you choose. Extra money carries forward, and part-payments are tracked properly instead of guessed at.
Can one person manage multiple Chamas?
Yes. One account can belong to several groups. Each Chama's accounting, members, loans, and settings stay completely separate — you just switch between them and see the totals across all of them in one place.
Is it real double-entry accounting?
Yes. Every transaction is recorded twice, so debits always equal credits — real accounting, not a spreadsheet pretending to be one. You can filter by date or trace any entry back to where it came from.
How does bank reconciliation work?
Upload your bank statement and RoundCircle matches most transactions automatically — by reference, transaction ID, or phone number. Anything left over, you record by hand as income, an expense, or ignore with a note. Once it's checked, you sign off on the period.
What happens when a member defaults on a loan?
Overdue payments get flagged automatically every night. If a loan defaults, RoundCircle recovers what it can from the member's shares, works out any shortfall, and writes off what genuinely can't be recovered — properly recorded, not just forgotten.
See it with real numbers
Look around a demo chama with sample members, loans and payments before you decide.
Try the demoTalk to a real person
Address
PO Box 23007-00604, Lower Kabete, Kenya