Manage Your Sinking Fund with Confidence
The modern way to run your paluwagan or group savings fund. Track contributions, manage loans, and automate penalties — completely free.
Everything You Need to Manage Your Fund
From contributions to loans, penalties to interest — Sinking Fund Finance handles every aspect of your fund.
Fund Management
Create yearly funds with configurable heads and contribution schedules. Each head equals a fixed amount — members can hold multiple heads.
Contribution Tracking
Members submit payments with evidence attachments. Fund managers review and approve contributions through a streamlined workflow.
Loan System
Provide loans to members and non-members with configurable interest rates. Non-members can apply through member referrals.
Penalty Management
Configure flexible penalties — daily, weekly, or monthly — for late contributions. Automatic penalty calculation keeps things fair.
Dashboard & Forecasts
View best-case and realistic projections of your fund's value. Track performance with per-member breakdowns and interest estimates.
Interest Distribution
Interest collected from loans is distributed proportionally by heads among all members at the end of the fund cycle.
How It Works
Get your fund up and running in four simple steps.
Create a Fund
Sign up for free and create your first fund in minutes. Set contribution schedules and head values.
Invite Members
Add members via email invitation. Each member can hold one or more heads in the fund.
Collect Contributions
Members contribute every 15 days and attach payment evidence for manager approval.
Grow Together
Track loans, earned interest, and fund growth in real-time through your dashboard.
Start Managing Your Fund Today
Join groups already using Sinking Fund to organize their contributions 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
What Our Users Say
Trusted by community organizations and savings groups across the Philippines.
“We used to track everything in a spreadsheet. Sinking Fund replaced that completely — contributions, penalties, and loan tracking are all automated now.”
Maria Concepcion Santos
Fund Manager — Barangay San Isidro Cooperative
“As a member, I love seeing exactly how much my share has grown. The dashboard forecasts helped our group plan better for year-end distribution.”
Roberto dela Cruz
Member — Samahang Kabuhayan ng Tondo
“Managing loan applications used to be a headache. Now the system calculates interest and tracks repayments automatically. We saved hours every month.”
Ana Patricia Reyes
Fund Manager — Barangay Rizal Savings Circle
“Our group of 40 members was hard to organize. The automated reminders and penalty tracking made everyone more accountable with their contributions.”
Jose Miguel Villanueva
Member — Kapulungan ng Manggagawa - Makati
Frequently Asked Questions
Common questions about how Sinking Fund works.