Annual savings payouts
Plan the year-end savings cycle and understand pooled-surplus allocation.
Illustrative payout date: 2026-12-31
Check eligibility, withdrawal rules, loan maturity and liquidity before agreeing a date. This is not a payment instruction.
Savings ledger total
R 55 000,00
Illustrative before adjustments
Lending pool capital
R 11 000,00
Not included in savings payout
Members in cycle
5
4 marked active
Surplus available
R 0,00
Scenario only · not guaranteed
Pooled-profit calculation
Enter illustrative collected amounts. No projected interest is treated as received.
From interest to surplus
Illustrative waterfall · no guarantee
- Collected pooled interest
- R 0,00
- Less realised losses
- − R 0,00
- Less approved pool costs
- − R 0,00
- Positive net surplus
- R 0,00
- Reserve allocation (20%)
- − R 0,00
- Distributable surplus
- R 0,00
- Unallocated (no eligible capital)
- R 0,00
P2P interest belongs directly to its lender when received. Company subscriptions and fees do not enter this calculation.
Member payout preview
Eligible pool shares are proportional to active members’ contributions. Review status is held for review.
| Member | Savings ledger | Pool capital (excluded) | Illustrative surplus share | Payout readiness |
|---|---|---|---|---|
| Thabo Mokoena | R 12 000,00 | R 2 400,00 | R 0,00 | Rules & liquidity check required |
| Naledi Khumalo | R 12 000,00 | R 2 400,00 | R 0,00 | Rules & liquidity check required |
| Sipho Dlamini | R 10 000,00 | R 2 000,00 | R 0,00 | Rules & liquidity check required |
| Lerato Ndlovu | R 12 000,00 | R 2 400,00 | R 0,00 | Rules & liquidity check required |
| Ayanda Nkosi | R 9 000,00 | R 1 800,00 | R 0,00 | Held for review |