How to use the Committee (BC) Planner
- 1 Enter the number of members.
- 2 Enter the monthly amount each member pays.
- 3 Choose the starting month and year.
- 4 Read the payout and the month-by-month schedule, then share it with the group.
Worked example
A 10-member committee of Rs 10,000 a month starting in November 2026. Each month one member receives Rs 100,000. Member 1 is paid in November 2026 and member 10 in August 2027. Every member pays Rs 100,000 in total over the ten months and receives the same amount once.
Features
Instant schedule
Every month and payout listed until the committee ends.
Payout amount
Members multiplied by the monthly amount.
Share with the group
Copy the schedule into WhatsApp so everyone knows the order.
When to use it
Saving for a goal
Collect a lump sum for a bike, fees or a wedding without a loan.
Office committees
Organise a committee among colleagues.
Family committees
Plan the order for relatives.
Planning the draw
See which month each number in the draw will be paid.
Frequently asked questions
How does a committee work?
Each member pays a fixed amount every month. Each month one member receives the whole pot, until everyone has received it once. Nobody earns or pays interest.
How is the order decided?
Usually by draw at the start, or by agreement, with members who need money early taking the first turns.
Is the first or last turn better?
The first turn works like an interest-free loan, while the last turn works like forced saving. Both receive the same amount.
What if a member stops paying?
That is the main risk. Choose members you trust, keep a written record and agree rules at the start, such as a guarantor.
Is a committee halal?
Scholars generally consider a simple committee permissible because every member receives exactly what they paid, with no interest or extra charge.
Can the monthly amount differ?
In some committees members pay half shares. Keep the schedule in full shares for clarity.
Can the organiser take a fee?
Most family and office committees have no fee. If an organiser charges for running it, everyone should agree in advance, and some scholars advise against any charge linked to the money.
What if someone needs their turn early?
Members can swap turns by mutual agreement. Update the schedule and share it again so the order stays clear for everyone.
Should we write an agreement?
Yes. A simple signed list of members, amounts, payout order and rules for late payment avoids disputes, especially when members are not close family.
How can I run it digitally?
Members can pay through bank transfer, Raast, JazzCash or EasyPaisa, so every payment leaves a record. The organiser can share this schedule in the group each month.
What is a good committee size?
Many committees have 6 to 12 members. A smaller group finishes sooner and is easier to manage, while a larger group gives a bigger payout.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Reviewed by ToolsUnlocked Team · Last updated