Committee Planner — ROSCA Calculator کمیٹی پلانر

Q: What is a committee (BC)?

A committee (BC) is a rotating savings group, known worldwide as a ROSCA: members contribute a fixed monthly installment and each month one member receives the full pool, until everyone has had a turn. In Pakistan the payout order is usually set by draw or mutual agreement.

Q: First turn vs last turn — what is the difference?

Everyone receives the same amount; only the timing differs. The first-turn member gets the money immediately and keeps paying installments after, which suits urgent needs. The last-turn member saves through the whole period and receives a lump sum at the end.

Q: Is there any profit or interest in a committee?

No. Every member pays in exactly as much as they receive once as the full pool. The benefit is receiving a large sum at once, which is hard to save up alone — there is no profit or interest involved.

Q: What if a member stops paying midway?

That is outside what this planner calculates — so only run a committee with trustworthy people, and agree the rules up front: how turns are set, installment dates, and what happens on delay. This tool is for planning the math only.

Members aur mahana qist daalein — tool foran pool, poora payout schedule aur aap ki bari ka hisaab laga dega.
Plan your committee (BC / ROSCA): monthly pool, who gets paid in which month, and exactly where you stand when your turn comes.

Pool = members × qist Kul mahine = members ki tadaad Har member ko ek dafa poora pool milta hai Kul jama = kul ada — koi sood nahi

Rs 0

mahana pool

kul mahine

Apni bari chunein — nateeja yahin update hota rahega.

Nateeja ↓

STEP 1

Committee Setup

کمیٹی کی ترتیب

Committee me kitne log hain aur har member mahine ke kitne rupay deta hai — bas ye do cheezein set karein, baaki hisaab tool khud laga lega.

Members ki tadaad

10members

Mahana qist — har member (Rs)

Rs 0

Har mahine ka pool — jo ek member ko milta hai

0 mahine

Committee ki kul muddat — har member ki ek bari

Pehla mahina (start)

Saal

STEP 2

Payout Schedule

ادائیگی کا شیڈول

Har mahine pool kis member ko milega — naam tap karke apni committee ke hisaab se badal lein. Jis row par aap ki bari hai, us par "Meri bari" dabayein.

STEP 3

My Turn

میری باری

Aap ki bari kis number par hai? Number chunein — tool batayega bari kis mahine aayegi, us waqt tak aap kul kitne de chuke honge aur aap ki net position kya hogi.

1meri bari #

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Committee Summary — Pakistan · کمیٹی کا خلاصہ

Har mahine ka pool

Rs0

0 members × Rs 0 mahana qist · committee 0 mahine chalegi

Meri bari —

Bari walay mahine tak main de chuka hongaqist × bari ka number—

Meri bari par mujhe milegapoora mahana pool—

Net position — bari walay dinmilega − us waqt tak diya—

Bari ke baad baqi qisteinpool milne ke baad bhi qist jari rehti hai—

Poori committee me har member kul degaaur har ek ko utna hi wapas milega—

How It Works · حساب کیسے لگتا ہے

Mahana pool = members × mahana qist

Kul mahine = members ki tadaad

Bari tak ada = qist × bari ka number

Net position = pool − (qist × bari ka number)

Pool: har mahine sab members apni qist dete hain — kul jama shuda raqam (pool) us mahine ek member ko mil jati hai.
Muddat: jitne members, utne mahine — kyun ke har member ki bari sirf ek dafa aati hai.
Net position: bari jaldi aaye to paisa pehle mil jata hai aur baaki raqam baad ki qiston me wapas hoti rehti hai — bina sood ke advance jaisa. Bari aakhir me aaye to ye pure bachat (saving) ban jati hai. Dono sooraton me kul jama = kul ada — koi member na zyada deta hai, na kam.
Bari ke baad bhi qist: pool mil jane ke baad rukna nahi hota — committee khatam hone tak har mahine qist deni rehti hai, warna baaki members ka pool nahi banega.

Common Questions · عام سوالات

What Is a Committee (BC)? · کمیٹی (بی سی) کیا ہوتی ہے؟

Ek group ke log har mahine ek tay raqam jama karte hain aur poora pool har mahine ek member ko mil jata hai — bari bari sab ko. Pakistan me isay committee ya BC kehte hain; duniya bhar me ye ROSCA ke naam se mashhoor hai. Bari aam tor par qurra-andazi (draw) ya aapsi razamandi se tay hoti hai.

First Turn vs Last Turn — What Is the Difference? · پہلی باری اور آخری باری میں کیا فرق ہے؟

Raqam sab ko barabar milti hai, farq sirf waqt ka hai. Pehli bari walay ko paisa foran mil jata hai aur wo use baad ki qiston me chukata rehta hai — jise bari ki zaroorat jaldi ho (shadi, samaan, karobar) us ke liye ye behtar hai. Aakhri bari wala poori muddat bachat karta hai aur aakhir me ek bari raqam haath aati hai.

Is There Any Profit or Interest in a Committee? · کیا کمیٹی میں کوئی منافع یا سود ہوتا ہے؟

Nahi. Har member kul utna hi deta hai jitna use ek dafa pool ki soorat me milta hai. Faida sirf ye hai ke bari raqam ek saath mil jati hai, jo akele bachat karke mushkil se jama hoti hai.

What If a Member Stops Paying Midway? · اگر کوئی ممبر بیچ میں قسط دینا بند کر دے تو؟

Ye is tool ke hisaab se bahar ka masla hai — is liye committee sirf bharosay walay logon ke saath karein aur shuru me usool (bari ka tareeqa, qist ki tareekh, dair ki soorat) wazeh tay kar lein. Ye planner sirf hisaab-kitab ke liye hai.