Ajo Savings Ajo savings app, free on AndroidSave together.
Collect in turn.
The ajo savings app for your esusu or adashe group — who pays, who collects, and when.
Start a rotating savings circle in a minute
Set the amount, how often and how many. The payout is worked out for everyone.
Everyone knows their round
Draw the order, set it, or let members pick. Swap turns when both agree.
Contributions paid, then confirmed
Transfer as usual, tap “I've paid”, and the collector confirms it arrived.
Trust you can see
Paying on time raises your score. Early turns go to those who've earned them.
Everything an esusu or adashe circle needs
Invite on WhatsApp
Or SMS, or a six-letter code.
Reminders
When a payment is due, and when it’s confirmed.
Public circles
Filter by amount, how often and start date.
Rated coordinators
Reviews and track record, before you join.
Your statement
Paid in and received, per circle.
Fingerprint lock
Opens with your fingerprint or face.
- No ads, no subscription
- Sign in with email or Google
- Ajo never holds your money
Ajo savings app: questions
Does Ajo hold our money?
No. Contributions go straight to the bank account the circle names. Ajo keeps the record.
Can Ajo make someone pay?
No. It records, reminds and scores, but it can't force a payment. Join circles run by people you know.
Who decides the order?
The coordinator: a random draw, join order, trust score, by hand — or members pick their own round. Every draw is counted and shown.
Is there a fee?
The app is free. A coordinator may set a circle fee, and you see it before you join.
How do I join a circle?
Open an invite on WhatsApp or SMS, enter a six-letter code, or pick a public circle with spots left.
Is it on iPhone?
Android for now.
Start your circle today