In a rotating ajo (esusu, adashe), each member pays the same amount every round and one member collects the whole pot. With 12 members paying ₦25,000 a week, each payout is ₦300,000 and the cycle takes 12 weeks. Enter your group's numbers below.
How the Ajo / Esusu Calculator works
- Enter what each member pays each round.
- Enter the number of members.
- Choose how often rounds happen.
- Enter any fee the organiser takes per payout. See the payout and cycle length.
Worked example
12 market women run a weekly ajo of ₦25,000 each.
Pot each week: ₦300,000
Each woman collects ₦300,000 once in the cycle
The cycle takes 12 weeks, and each pays in ₦300,000 in total
Common mistakes to avoid
- No written order of collection
- No receipts for contributions
- Letting members join without agreed rules
Need a different calculator?
Keep a written record
Write down the order of payouts, who has paid each round and who has collected. Give a receipt or written note for every contribution and every payout. Most ajo disputes come from missing records.
Early and late collectors
Collecting early is like an interest-free loan. Collecting late is like saving. Some groups let early collectors pay a little more. Agree the rules before the first round.
Digital ajo and thrift apps
Many groups now collect contributions by transfer or use savings apps. Transfers give an automatic record, but still keep your own list of who has paid and collected each round, and confirm the organiser before sending money to any new account.
Frequently asked questions
How does a rotating ajo work?
Everyone pays the same amount each round, and one member takes the whole pot, until all have collected.
Is there interest?
Usually no. Each member pays in and collects the same total.
What about a daily ajo collector?
Daily collectors often keep one day's contribution each month as their fee. Enter it as the fee.
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