Two hands, one person
Members can hold more than one hand — they pay once per hand each round and collect once per hand in the cycle. The book keeps each hand straight.
Rotating savings, without the notebook
The ajo book, minus the arguments about who paid.
Contribution groups run on paper ledgers, memory and WhatsApp threads — right up until two people remember a week differently. Ajo Ledger keeps the record of who paid, whose turn it is to collect and who is behind, on the phone of the person who already keeps the book.
It never touches money. No wallet, no transfers, no float. Your group pays each other
exactly as it does today; Ajo Ledger keeps the book.
Coming soon to Android
Try it
One group, eight hands, eight weeks
Tap any cell to mark a contribution in or out. The totals move the way they do in the app.
Ìdí-Àgbà Market Ajo
Week 4 of 8
Pot—
Collected—
Outstanding—
Collects—
| Hand |
|---|
✓Paid
–Due
✗Missed
₦Collects
Illustrative figures. Records only — no funds move.
Why it works
Built for how ajo actually runs
Order is negotiated
Collection order isn't a lottery. Set it with the group, see the date each person collects, and it locks once the first payment is recorded.
History you can't fudge
Un-marking a payment is recorded, not erased. Raise the contribution mid-cycle and old weeks keep the amount they were due at.
Your book stays on your phone
No account, no sign-up, no server. It works with no data connection at all, and nobody but you ever sees your group's record.
How it works
Three steps, then it's just the book
- 01
Set up the group
Name, contribution per hand, daily, weekly or monthly, the first collection date, and who collects when.
- 02
Mark payments as they come in
One tap per person, or mark the whole round at once. Tap again to undo.
- 03
See who is behind — and by how much
Missed rounds surface on their own, priced at what they were worth when they fell due.
What it won't do
Deliberately out of scope
- Hold, move or pay out money. Not now, not later. It is a record-keeping tool.
- Decide whether a payment happened. It records what the group agrees.
- Match strangers into groups. Ajo runs on trust people already have.
- Charge interest or offer loans.