More than one hand
A member can hold several hands, paying and collecting once for each. The record keeps every hand separate.
Ajo · Esusu · Adashe
The trusted record for your contribution group.
Who has paid, who collects next, and who is behind — kept on your phone, never through it.
Download for Android
Free · Works without data
Ajo Ledger never holds or moves money. Your group pays each other as it always has; the app keeps the record.
See how it works
One group, eight hands, eight weeks
Select any cell to record a contribution or undo it. 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.
Built for how groups run
The details a real ajo needs
An order you agree
Set the collection order with the group and see each hand's date. It locks once the first payment is in.
Rules, fines and payouts
Organiser's fees, late fines and full-pot payouts, set once for the group and applied the same way every round.
A history that holds
Corrections are recorded, never erased. An admin PIN guards the rules; a sealed backup keeps a copy you control.
Getting started
Set up once, then record as you collect
-
1
Set up the group
Name, contribution per hand, how often, the first collection date and the order.
-
2
Record as money comes in
One tap per member, or the whole round at once. A mistaken tap is undone just as easily.
-
3
Share and remind
Send a clean round summary or a member's statement to WhatsApp, and remind anyone behind in their own language.
Our commitments
What Ajo Ledger will not do
- Hold, move or pay out money. It is a record, now and in every future version.
- Decide whether a payment happened. It records what the group agrees.
- See your records. No account and no server; the book stays on your phone.
- Lend, or charge interest. Ever.
Coming soon
Ajo Ledger Pro
For organisers who run more than one group. What we're working on:
- More groups on one phone
- Statements and exports ready to print
- Insights into who pays on time, and reminders for everyone behind
Still records only. Pro will never hold or move money.
Keep the book your group can trust.
English, Naijá, Yorùbá, Hausa and Igbo. Free for Android.
Updating? Install the new version over the old one, and never uninstall first: your records live only on your phone. If your groups don’t show straight after updating, close the app and open it again.