Circle Payout Engine
Everyone pays the same. Nobody gets paid the same day.
This runs MoneyCircle’s dual-rate pricing formula directly — model any contribution, circle size, savings rate and borrowing rate below to see exactly how a monthly pool rotates between members, and where MoneyCircle’s revenue comes from.
Why MoneyCircle
Most spending happens backwards: buy first, figure out affordability later — usually on a credit card. When the balance doesn’t clear right away, it turns into months of minimum payments at double-digit interest, and the credit score takes the hit along with it.
MoneyCircle flips that order. Every circle has a term set before the first contribution: what you pay in, exactly when your payout lands, and exactly what’s left after. A savings plan with a known end date — not a balance that grows while you’re not looking.
Build a circle
Every number below recalculates instantly
8.3 pts spread between borrowing and savings rates — this is where MoneyCircle’s revenue comes from.
FV(6.0%÷12, month, −contribution) + PV(14.3%÷12, 12−month, −contribution)
Each dot is one member. Click a member to see their payout below.
Payout by draw position
Selected member is highlighted
Full payout curve
Dashed line = pool collected each month ($contribution × members)
Cycle economics
Across one full rotation of the circle
Full schedule
12 rows · one per member
| Month | Recipient | Pool collected | Payout | vs. pool |
|---|
FINTRAC-registered MSB
Operating under a documented AML/ATF compliance program.
FBO / trust-segregated funds
Member contributions never touch MoneyCircle’s corporate accounts.
Verified, closed-loop members
KYC identity checks plus open-banking account verification before anyone joins a circle.
Considering the family & friends round?
Terms, share class, and the founder’s background — all on one page.