WaldaFree tool · Paluwagan
When is my turn, and what do I take home?
A paluwagan is everyone saving together: each round, every member puts in the same hulog and one of you takes the whole pot. Fill it in to see every round’s date and what your turn means.
How it works
Same money in, a different “when”.
Ten people, ₱1,000 each, twice a month
Every round, all ten put in ₱1,000 and one person takes the ₱10,000 pot. Over ten rounds, each person puts in ₱10,000 and takes ₱10,000 once.
- Turn 1₱10,000 now, then ₱9,000 to pay
- Turn 5₱5,000 in first, then ₱5,000 to pay
- Turn 10₱10,000 in, then ₱10,000 back
So which turn is best?
An early turn is a loan with no interest: good when there’s a tuition or a repair due now, as long as you keep paying after.
A late turn is saving with a deadline: good when you find it hard to save on your own.
An organiser’s fee comes off the pot, so the pot is a little less than everyone put in. The fee is the real cost of the paluwagan.
Questions
Before you join.
What is a paluwagan?
An informal savings group. Each round, every member puts in the same hulog and one member takes the whole pot, until everyone has had a turn. Nobody earns interest: it moves money forward or back in time for each member.
What if someone stops paying?
Then someone who hasn’t had their turn yet gets less, or waits. That’s the main risk, and the reason most paluwagan are between people who know each other well. Agree in writing on what happens if a member drops out.
Does an organiser’s fee make sense?
It pays for the work of collecting and chasing payments. Enter it above to see what it costs you: the fee is the whole cost of a paluwagan, since nobody earns interest.
One paluwagan promises more back than I put in. Is that normal?
No. In a real paluwagan, the pot is only what the members put in. A scheme that promises more than that has to get it from somewhere, usually newer members. Be careful with it.
Can I join more than one?
You can, but each hulog is a bill you must pay every round, even after your turn. Make sure the total fits every payday, not just the one you take the pot.
Every round, on your schedule
Waldazz keeps your paluwagan.
Waldazz is a payday planner for Filipino money. Add a paluwagan once:
- Your hulog each round sits on your schedule like a bill, so Safe to spend already leaves room for it.
- Your turn shows up as money coming in, on its date.
- The organiser’s fee is counted, so the payout is what you really get.
- A paluwagan counts as one of the free version’s 5 accounts.
- 15 OctHulog: ₱1,000 (round 1 of 10)
- 31 OctHulog: ₱1,000 (round 2)
- 15 NovYour turn: ₱10,000 coming in
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