Full control of the numbers
Assign, swap, remove and split turns between members. Draw them at random or assign them by hand.
Soon Apps for iOS and Android
Run your tanda without losing track
No more notebooks, spreadsheets or "I already paid you." Members, payments, automatic late fees and WhatsApp reminders — all in one place, with every record on your side.
No credit card · Set up in 5 minutes · Free to start
- types of tanda
- 3 types of tanda
- to set it up
- 5 min to set it up
- reminders on autopilot
- 24/7 reminders on autopilot
- to get started
- $0 to get started
T
Christmas Tanda 2026
12 members · Twice a month · Savings
María García
Due: Jan 15, 2026
4/4 Paid up
2
Carlos López
Due: Jan 30, 2026
2/4 Pending
3
Ana Martínez
Due: Feb 15, 2026
1/4 Late
Collected
$18,000
Pending
$12,000
Late
1
Round 3 of 12 — Collected so far 58%
What is a tanda?
A tanda is a group savings circle: everyone chips in the same amount on a regular schedule, and each round one member takes home the whole pot. It's a tradition across Latin America — and in Latino communities all over the US — that helps families save for big goals without banks or interest. Economists call it a ROSCA (rotating savings and credit association); you may also know it as a savings circle or lending circle.
A group you trust
Family, friends or coworkers get together to save as a group.
Regular contributions
Everyone puts in the same amount every round.
One payout per round
On each payout date, one member receives the full pot.
Call it whatever your family calls it
The same idea goes by many names: tanda or cundina for Mexicans, san for Dominicans and Venezuelans, cuchubal in Central America, susu in the Caribbean, or simply a savings circle. TandaPlus works exactly the same for all of them, in US dollars and with US phone numbers.
- Tanda or savings circle · United States
- Tanda or cundina · Mexico
- San · Dominican Republic
- San · Venezuela
- Cuchubal · Guatemala & El Salvador
- Junta or pandero · Peru
- Natillera or cadena · Colombia
- Polla · Chile
- Pasanaku · Bolivia
- Susu · the Caribbean
- Paluwagan · the Philippines
- Tontine · West Africa & France
The savings circle app with everything your tanda needs
Built so that organizing a tanda is easy, transparent and mistake-free.
Partial payments with carry-over
Log full or partial payments. Anything extra rolls forward to the next rounds automatically. Log payments for several members at once.
Real-time dashboard
See active tandas, collected, pending and late members at a glance — plus progress per round, who gets paid next and who owes what.
Automatic late fees
Set a flat fee or a percentage, charged once or per day. They kick in on their own after the grace period you choose.
WhatsApp reminders
Automatic reminders before, on and after the due date. You pick the days, the time and how often.
Contact list
Keep your members' name, WhatsApp, email and address in one place. Search by name or phone and reuse them in any tanda.
Receipts and documents
Upload payment receipts, profile photos and any documents you need. Files are stored securely in the cloud with controlled access.
Shared numbers
Let two or more people split one turn, each paying their percentage of the contribution.
Payout confirmation
Mark the payout as delivered in one click. The member gets a WhatsApp notice and you keep a record of who received it and when.
Public page to share
Share a link so members can see turns, dates, rules and late fees — no account needed.
Emergency fund
A reserve with tracked deposits and withdrawals, a balance and a goal, so one late payment doesn't hold up the whole group.
Three kinds of tanda
Savings, loan or service tandas, each with its own flow: fixed amounts, variable amounts, or services with a name and value.
Number zero — organizer's fee
Add a number 0 that receives a payout without contributing, if your group agrees the organizer gets a fee for running the tanda.
Here's how it works
Three simple steps and your tanda is up and running.
1
Create your tanda
Pick the type (savings, loan or service) and set members, schedule and amounts. TandaPlus works out every due date for you.
2
Add your members
Add people from your contact list, assign turns by hand or at random, split turns, and set up late fees and reminders.
3
Track and collect
Log payments one by one or in bulk, with automatic carry-over. Check the dashboard and each member's payment history, spot who's late, and confirm payouts with a WhatsApp notice.
Why TandaPlus instead of a notebook?
Paper tandas work... until someone gets mixed up, the notebook goes missing or somebody just stops paying. TandaPlus takes care of that.
Everyone sees the same thing
Share your tanda's public page. Every member can check turns, dates, rules and late fees without creating an account.
Automation that does the chasing
Late fees, WhatsApp reminders, payment math and carry-over run on their own. You set the rules; TandaPlus does the heavy lifting.
A real-time dashboard
Active tandas, collected, pending, late members, next payout and who owes what — all on one screen with color-coded status.
Everything on record
A full payment history for every member, receipts stored in the cloud, documents and profile photos. Every move is logged.
One account, every screen
Use it today from the browser on your phone, tablet or computer. Android and iOS apps are coming soon — same account, same data, nothing to move over.
Without TandaPlus
- ✗ Payments written in a notebook or spreadsheet
- ✗ Late fees worked out by hand
- ✗ Texting reminders one by one
- ✗ Arguments over "lost" payments
- ✗ No receipts, no backup
- ✗ No reliable history
With TandaPlus
- ✓ Digital records with automatic carry-over
- ✓ Automatic, configurable late fees
- ✓ Automatic WhatsApp reminders
- ✓ Dashboard, payment history and receipts in the cloud
- ✓ Contact list with documents
- ✓ Payout confirmation with a notice
Coming up
One account. Everything connected.
TandaPlus is coming to your phone: Android and iOS apps are on the way. It won't be a separate product — same account, same data. Log a payment on your phone and your computer already knows. No exporting, no syncing, no double entry.
Web
AvailableThe full dashboard to organize, track and manage from your computer.
iOS
Coming soonYour tanda in your pocket: log payments and see who owes from your iPhone.
Android
Coming soonSame app, same data, so you can keep track from anywhere.
Reminders and payout notices that go out on their own, where your members already are.
One account. The same data. Wherever you are.
Start on the web today. When the app comes out, sign in with the same account and everything's there: your tandas, your members, your payment history. Nothing to move, nothing to re-enter.
- What you log on your phone shows up on the web instantly
- Members follow the tanda on its public page — nothing to install
- WhatsApp reminders go out on their own, app or no app
Coming soon to
Coming soon to
App Store
Coming soon to
Google Play
In the meantime, TandaPlus already works fully in your phone's browser.
Simple plans, no fine print
Start free and upgrade when you need to. No commitment.
Free
$0 MXN forever
Perfect for running your first tanda.
- 1 active tanda
- Up to 10 members
- Cash tandas only
- Fixed amounts only
- Payment logging
- Payment history per member
- Late / pending / paid-up status
- Payout confirmation
- Basic dashboard
- Savings, loan and service tandas
- Variable amounts
- Automatic late fees
- WhatsApp reminders
- Unlimited tandas
- Unlimited members
- Shared numbers
- Emergency fund
- Public page to share
- Contact list
- Document uploads
- Number zero (organizer's fee)
Most popular
Pro
$149 MXN /year
For organizers who run more than one tanda.
- Unlimited tandas
- Unlimited members
- Payment logging with carry-over
- Public page to share
- Detailed payment history
- Advanced real-time dashboard
- Late / pending / paid-up status
- Payout confirmation with a notice
- Automatic, configurable late fees
- Configurable WhatsApp reminders
- Emergency fund
- Shared numbers
- Contact list with documents
- Receipt and document uploads
- Savings, loan and service tandas
- Fixed and variable amounts
- Number zero (organizer's fee)
Prices are in Mexican pesos (MXN). You can pay by card from the US; your tandas can run in US dollars.
Guides to run your tanda
Learn, calculate and get set up before your first round.
Frequently asked questions
Everything you need to know about TandaPlus.
What is TandaPlus?
TandaPlus is a web app for the person who organizes a tanda (also called a cundina, san, savings circle or ROSCA). It keeps track of members, turns, payments, late fees and WhatsApp reminders, so you don't have to do it in a notebook or a spreadsheet.
Does TandaPlus hold or move our money?
No. TandaPlus never receives, holds or transfers money. Members keep paying each other the way your group already does — cash, Zelle, bank transfer, whatever you agree on. TandaPlus only keeps the records and sends the reminders. It is not a bank or a financial institution.
Is TandaPlus free?
Yes. The Free plan includes 1 active tanda with up to 10 members. The Pro plan — unlimited tandas and members, automatic late fees, WhatsApp reminders, emergency fund, shared numbers and document uploads — costs $149 MXN/year (Mexican pesos), paid by card.
Can I run my tanda in US dollars?
Yes. Choose the United States as your country when you sign up and amounts show in US dollars. You can enter US phone numbers, and reminders go out over WhatsApp.
Is a tanda the same as a ROSCA, savings circle or lending circle?
They're the same basic idea: a group contributes a fixed amount each period and takes turns receiving the pot. TandaPlus helps you keep track of your own group's circle. It doesn't lend money, doesn't pay interest and doesn't report to credit bureaus.
How do I log my members' payments?
From your dashboard, log payments one at a time or for several members at once. Enter the amount and TandaPlus applies it to the current round. If someone pays extra, the difference rolls forward to the next rounds automatically.
What happens if someone pays late?
TandaPlus automatically flags the member as late with a red status on your dashboard. On the Pro plan, late fees are added automatically (flat or percentage, once or per day) and WhatsApp reminders go out before, on and after the due date.
Do my members need a TandaPlus account?
No. You run everything from your dashboard. On the Pro plan you can share a public page where members see turns, dates, rules and late fees without signing up.
Can two people share one number?
Yes. On the Pro plan you can split a turn between two or more members by percentage. Each pays their share, and TandaPlus keeps a separate payment history for each one.
What kinds of tanda can I create?
Three: Savings (the classic tanda with a fixed amount), Loan (variable amounts per number) and Service (each number is tied to a service with a name and value). Each type has its own flow.
What are the emergency fund and number zero?
The emergency fund is an optional reserve: you set a goal and a contribution per round, and TandaPlus tracks deposits, withdrawals and the balance, so a late payment doesn't delay someone else's payout. Number zero is an extra turn that receives a payout without contributing, for groups that agree to give the organizer a fee. Both are Pro features.
Is it secure?
TandaPlus uses encrypted data, secure sign-in with one-time codes over WhatsApp and protected servers. Documents and receipts are stored in the cloud with per-user access control. TandaPlus never asks for official ID to use the service.
Can I use TandaPlus on my phone? Is there an app?
Yes — TandaPlus works in the browser on any phone, tablet or computer, with nothing to download. Android and iOS apps are coming soon to Google Play and the App Store, on the same account: sign up today and your tandas will be there when the app launches.
Start organizing your tanda today
Join the organizers who've already ditched the notebook and the headaches. Set up in 5 minutes — it's free.
Sign up today and use the same account when the iOS and Android apps launch
No credit card · No commitment · Cancel anytime