Your Community's Savings, Finally Organized
The modern way to run your paluwagan or group savings fund. Track contributions, manage loans, automate penalties — and bring your whole community together, completely free.
500+
Active Groups
₱10M+
Tracked in Funds
100%
Free Forever
₱0
Setup Fees
Everything Your Group Needs to Thrive
From contributions to loans, penalties to interest distribution — Sinking Fund handles every aspect of your community savings fund.
Fund Management
Create funds with configurable heads and flexible contribution schedules. Your community's savings, structured the way you need.
Contribution Tracking
Members submit payments with evidence. Fund managers review and approve — no more chasing receipts in group chats.
Loan System
Offer loans to members and non-members with configurable interest rates. Non-members can apply through member referrals.
Penalty Management
Set fair, transparent penalties — daily, weekly, or monthly — for late contributions. Automatic calculation keeps everyone accountable.
Dashboard & Forecasts
See best-case and realistic projections of your fund's value. Know exactly how much each member's share will be at year-end.
Interest Distribution
Loan interest is automatically distributed to members proportionally by heads at the end of the fund cycle. Fair for everyone.
See It in Action
A quick tour of the tools your community will use every day.
Real-time fund overview with balance, forecasts, and contribution history
How It Works
Get your community fund up and running in four simple steps — no spreadsheets required.
Create a Fund
Sign up for free and set up your first fund in minutes. Define contribution amounts, schedules, and how many heads each member holds.
Invite Your Group
Bring your community in with a simple email invitation. Each member can hold one or more heads, just like a traditional paluwagan.
Collect Contributions
Members contribute every 15 days and attach payment proof. You review and approve — no more trust issues or forgotten payments.
Grow Together
Watch your fund grow in real time. Track loans, earned interest, and each member's share — and distribute at year-end with confidence.
Why Not Just Use a Spreadsheet?
Spreadsheets break down fast when your group grows. Sinking Fund is built specifically for community savings — so nothing falls through the cracks.
| Feature | Sinking Fund | Spreadsheets | Other Tools |
|---|---|---|---|
| Contribution tracking | |||
| Loan management | |||
| Automatic penalties | |||
| Member dashboard | |||
| Evidence approval workflow | |||
| Interest distribution | |||
| Cost(Free to use) |
“Other Tools” refers to generic group payment apps not built for paluwagan-style savings funds.
Your Community Deserves Better Than a Spreadsheet
Join groups already using Sinking Fund to organize their contributions, resolve disputes fairly, and grow their savings together.
- No hidden fees — 100% free forever
- Create unlimited funds and invite unlimited members
- Track contributions, loans, and interest in real time
- Works on any device — desktop, tablet, or phone
Communities Are Already Thriving
Trusted by savings groups and cooperative organizations across the Philippines.
“Our paluwagan used to be tracked in a notebook. Now everything is online — contributions, penalties, loans — and all 25 of us can see the balance in real time. Walang away tungkol sa pera.”
Maria Concepcion Santos
Fund Manager — Barangay San Isidro Cooperative
“I love seeing my exact share grow month by month. The forecast showed me how much I'd have by December and I actually planned a family trip around it. This is the future of paluwagan.”
Roberto dela Cruz
Member — Samahang Kabuhayan ng Tondo
“Before this, managing loan applications was a nightmare of text messages and handwritten notes. Now everything is tracked automatically — interest, repayments, even who referred who.”
Ana Patricia Reyes
Fund Manager — Barangay Rizal Savings Circle
“We have 40 members and it used to be chaos. The automated reminders changed everything — people started paying on time because they knew the system would flag it. Accountability built in.”
Jose Miguel Villanueva
Member — Kapulungan ng Manggagawa - Makati
Frequently Asked Questions
Common questions about how Sinking Fund works.