When will the first payout unlock in a Rotational Stokvel?
Enter your group's numbers to see whether the first recipient's future commitment is fully covered — and if not, exactly how much more is needed.
Group parameters
Total members in the rotation
Each member's monthly contribution
Members who pledge their available security toward the first recipient
How much each guarantor commits from their available security
Financial breakdown
Total payout to first recipient
—
Recipient's future commitment
—
Security required (future commitment)
—
Own security already paid in
—
Guarantee pledges committed
—
Currently secured
—
Shortfall to cover
—
Payout readiness
—
Guarantee coverage
—
Secured: R0
Required: R0
How it works: A recipient can only receive their payout once their
remaining future contributions are fully covered by their own security
(personal + pool) plus pledge commitments from other members acting as
guarantors. There's no fixed waiting period — the payout unlocks the moment
the coverage reaches 100%. In your group this is reflected live on the
Security and Guarantee pages.