Saving is Better Together
Community Harvest brings an ancient tradition into the digital age. Pool resources with people you trust and reach your financial goals faster.
What Is Community Saving?
Known as ROSCAs, tandas, susus, chit funds, or hui — community saving is a centuries-old practice used by billions of people worldwide. Members of a trusted group contribute regularly, and each cycle, one member receives the full pot.
See How It Works
A simple example with 10 people saving $100/month
Result: Everyone contributes $1,000 total and receives $1,000 — but you might get yours in month 1 instead of month 10!
5 Simple Steps
Create or Join a Pot
Start a new savings pot or get invited to join an existing one. Set your contribution amount and schedule.
Contribute Together
Everyone contributes a fixed amount on a regular schedule. Payments are automatic and tracked in real-time.
Wait for Your Turn
Each cycle, the pot fills up with contributions from all members. Selection can be by voting or random draw.
Receive Your Payout
When it's your turn, you receive the full pot amount directly to your bank account. Community saving means no interest charges — members help members.
Repeat Until Everyone Wins
The cycle continues until every member has received their payout. Then start a new round!
Who Is This For?
Reach Goals Faster
Access larger sums earlier than saving alone. Get $1,000 in month 1 instead of month 10.
Social Accountability
When your group depends on you, you show up. Save consistently with community support.
Zero Interest
No predatory loans or credit cards. Community members help each other without banks taking a cut.
Financial Community
Break the isolation of money struggles. Share tips, support, and celebrate wins together.
Common Questions
What if someone doesn't pay?
My Community Harvest uses automated payments through Stripe, reducing the risk of missed contributions. You can also set up groups with trusted friends and family, and track contribution history in real-time.
Is my money safe?
All payments are processed through Stripe, the same payment infrastructure used by companies like Amazon and Shopify. Your financial data is protected with bank-level encryption.
I don't know enough people — can I still use this?
Yes! You can start with just a few friends or family members. My Community Harvest also has features to discover and join public groups in the future as our community grows.
How do payouts work?
Each cycle, one member receives the full pot. Selection can be through democratic voting or random draw — your group decides. Payouts go directly to your connected bank account.
Pot & Group Rules
Clear rules so everyone knows what to expect before they save.
Group Rules
- Only save with people you personally know and trust — family, friends, or coworkers.
- Groups can be public (anyone can request to join) or private (invite-only).
- Group owners manage membership, pots, and payouts. Members participate and contribute.
- You must be an approved group member before you can join or create a pot within that group.
Pot Rules
- Open Registration pots allow any group member to request to join. Closed Registration pots are invite-only.
- Contribution amounts and schedules (weekly, bi-weekly, monthly) are set at pot creation and cannot change mid-cycle.
- Maximum pot goal: $10,000 (US) · £8,500 (UK) · €10,000 (EU) — required by anti-money laundering regulations.
- All members must connect a Stripe payment account before contributions begin.
Payout Rules
- Each member receives the full pot exactly once per cycle — no one gets a second payout before all others have received theirs.
- Payout order is determined by member voting or random draw — selected when the pot is created.
- If you receive your payout early in the cycle, you remain obligated to keep contributing for every remaining round.
- Payouts go directly to your connected bank account. Processing typically takes 2–7 business days.
If Someone Doesn't Pay
- A missed contribution may delay or reduce the scheduled payout for that cycle.
- Members who default remain financially liable to all other group members for their unpaid contributions.
- Repeated defaults may result in removal from the pot and platform, and may be reported to Stripe.
- My Community Harvest does not guarantee payouts — member reliability is the foundation of group saving.
For full legal details, read our Terms of Service
Your Money's Journey
Complete transparency. Every step. Every cent.
We believe you deserve to know exactly where your money goes. Here's the complete journey — with full transparency at every step.
You Contribute
When you make a contribution, your payment is securely processed through Stripe — the same trusted platform used by Amazon, Shopify, and millions of businesses worldwide.
Your bank or card is charged, and the funds begin their journey.
You Contribute
When you make a contribution, your payment is securely processed through Stripe — the same trusted platform used by Amazon, Shopify, and millions of businesses worldwide.
Your bank or card is charged, and the funds begin their journey.
Processing Fee
Stripe charges a small processing fee to securely move your money. We're committed to full transparency — all payment processing costs are clearly disclosed so you always know what to expect.
Card: 2.9% + $0.30 | Bank: 0.8% (max $5). Example: $100 → $96.80 (card) or $99.20 (bank).
Processing Fee
Stripe charges a small processing fee to securely move your money. We're committed to full transparency — all payment processing costs are clearly disclosed so you always know what to expect.
Card: 2.9% + $0.30 | Bank: 0.8% (max $5). Example: $100 → $96.80 (card) or $99.20 (bank).
Funds Held Securely
The net amount lands in your group's secure Stripe account. Funds are never held by Community Harvest — they go directly to Stripe's regulated, insured infrastructure.
Funds typically clear in 2-7 business days.
Funds Held Securely
The net amount lands in your group's secure Stripe account. Funds are never held by Community Harvest — they go directly to Stripe's regulated, insured infrastructure.
Funds typically clear in 2-7 business days.
Pot Grows Together
As each member contributes, the pot balance grows. You can track every contribution in real-time on your dashboard — complete transparency for everyone.
Every contribution and payout is fully logged and tracked in real-time.
Pot Grows Together
As each member contributes, the pot balance grows. You can track every contribution in real-time on your dashboard — complete transparency for everyone.
Every contribution and payout is fully logged and tracked in real-time.
Payout Time
When it's your turn (or your goal is reached), the full pot amount is transferred directly to your connected bank account.
Payouts typically arrive within 2-7 business days.
Payout Time
When it's your turn (or your goal is reached), the full pot amount is transferred directly to your connected bank account.
Payouts typically arrive within 2-7 business days.
Money Back Home
The funds land safely in your bank account. Use them for your goals — whether it's an emergency fund, a family celebration, or that dream you've been saving for.
Your money, your choice, your community.
Money Back Home
The funds land safely in your bank account. Use them for your goals — whether it's an emergency fund, a family celebration, or that dream you've been saving for.
Your money, your choice, your community.
Save More with Bank Transfers
Choose how you pay — bank transfers save you money on every contribution.
💡 Save $2.40 per $100 with bank transfers!
Community Harvest is in active development as we build toward our full launch. Our platform model continues to evolve alongside our growing community — any updates to our service pricing will be communicated clearly and in advance. Stripe's standard payment processing fees apply to all transactions as shown above.
Want to learn more about our platform and features?
Discover Our Story & FeaturesReady to Start Saving Together?
Be among the first to experience a better way to save. Join our early access program today.