See how your monthly chit cash flow could look across the full tenure. This free planner applies the chit auction bid model to every month, so you can compare subscriptions, dividends and remaining commitment before participating in a chit auction.
Results update instantly as you type. Nothing is sent to a server.
The total value of the chit.
Total members in the chit.
Always equals the number of members.
Chit value divided by tenure. Fixed by the scheme.
Percentage of the total chit value.
Total discount starts at the foreman's commission and is capped at 35% of the chit value. Bid amount equals total discount minus commission, so the estimated dividend changes with the bid.
See how your illustrative monthly subscription changes throughout the chit tenure. Each month carries its own total discount assumption, so the dividend — and the subscription you pay — changes month to month. Select any month to inspect its total discount, estimated dividend and subscription.
Estimated subscription range
₹8,000 – ₹10,000
Based on your monthly auction assumptions · Dividend/member ₹0 – ₹2,000
Each bar is one month. The green part is the estimated subscription you pay — early months carry a bigger dividend, later months sit close to the base subscription. Select a bar to inspect that month.
Month 1 of 50
₹10,000 base − ₹2,000 dividend = ₹8,000 subscription for this month.
| Month | Total discount % | Total discount | Bid amount (est. dividend pool) | Dividend / member | Subscription |
|---|---|---|---|---|---|
| 1 | 25% | ₹1,25,000 | ₹1,00,000 | ₹2,000 | ₹8,000 |
| 2 | 24.6% | ₹1,22,826 | ₹97,826 | ₹1,957 | ₹8,043 |
| 3 | 24.1% | ₹1,20,652 | ₹95,652 | ₹1,913 | ₹8,087 |
| 4 | 23.7% | ₹1,18,478 | ₹93,478 | ₹1,870 | ₹8,130 |
| 5 | 23.3% | ₹1,16,304 | ₹91,304 | ₹1,826 | ₹8,174 |
| 6 | 22.8% | ₹1,14,130 | ₹89,130 | ₹1,783 | ₹8,217 |
| 7 | 22.4% | ₹1,11,957 | ₹86,957 | ₹1,739 | ₹8,261 |
| 8 | 22% | ₹1,09,783 | ₹84,783 | ₹1,696 | ₹8,304 |
| 9 | 21.5% | ₹1,07,609 | ₹82,609 | ₹1,652 | ₹8,348 |
| 10 | 21.1% | ₹1,05,435 | ₹80,435 | ₹1,609 | ₹8,391 |
| 11 | 20.7% | ₹1,03,261 | ₹78,261 | ₹1,565 | ₹8,435 |
| 12 | 20.2% | ₹1,01,087 | ₹76,087 | ₹1,522 | ₹8,478 |
| 13 | 19.8% | ₹98,913 | ₹73,913 | ₹1,478 | ₹8,522 |
| 14 | 19.3% | ₹96,739 | ₹71,739 | ₹1,435 | ₹8,565 |
| 15 | 18.9% | ₹94,565 | ₹69,565 | ₹1,391 | ₹8,609 |
| 16 | 18.5% | ₹92,391 | ₹67,391 | ₹1,348 | ₹8,652 |
| 17 | 18% | ₹90,217 | ₹65,217 | ₹1,304 | ₹8,696 |
| 18 | 17.6% | ₹88,043 | ₹63,043 | ₹1,261 | ₹8,739 |
| 19 | 17.2% | ₹85,870 | ₹60,870 | ₹1,217 | ₹8,783 |
| 20 | 16.7% | ₹83,696 | ₹58,696 | ₹1,174 | ₹8,826 |
| 21 | 16.3% | ₹81,522 | ₹56,522 | ₹1,130 | ₹8,870 |
| 22 | 15.9% | ₹79,348 | ₹54,348 | ₹1,087 | ₹8,913 |
| 23 | 15.4% | ₹77,174 | ₹52,174 | ₹1,043 | ₹8,957 |
| 24 | 15% | ₹75,000 | ₹50,000 | ₹1,000 | ₹9,000 |
| 25 | 14.6% | ₹72,826 | ₹47,826 | ₹957 | ₹9,043 |
| 26 | 14.1% | ₹70,652 | ₹45,652 | ₹913 | ₹9,087 |
| 27 | 13.7% | ₹68,478 | ₹43,478 | ₹870 | ₹9,130 |
| 28 | 13.3% | ₹66,304 | ₹41,304 | ₹826 | ₹9,174 |
| 29 | 12.8% | ₹64,130 | ₹39,130 | ₹783 | ₹9,217 |
| 30 | 12.4% | ₹61,957 | ₹36,957 | ₹739 | ₹9,261 |
| 31 | 12% | ₹59,783 | ₹34,783 | ₹696 | ₹9,304 |
| 32 | 11.5% | ₹57,609 | ₹32,609 | ₹652 | ₹9,348 |
| 33 | 11.1% | ₹55,435 | ₹30,435 | ₹609 | ₹9,391 |
| 34 | 10.7% | ₹53,261 | ₹28,261 | ₹565 | ₹9,435 |
| 35 | 10.2% | ₹51,087 | ₹26,087 | ₹522 | ₹9,478 |
| 36 | 9.8% | ₹48,913 | ₹23,913 | ₹478 | ₹9,522 |
| 37 | 9.3% | ₹46,739 | ₹21,739 | ₹435 | ₹9,565 |
| 38 | 8.9% | ₹44,565 | ₹19,565 | ₹391 | ₹9,609 |
| 39 | 8.5% | ₹42,391 | ₹17,391 | ₹348 | ₹9,652 |
| 40 | 8% | ₹40,217 | ₹15,217 | ₹304 | ₹9,696 |
| 41 | 7.6% | ₹38,043 | ₹13,043 | ₹261 | ₹9,739 |
| 42 | 7.2% | ₹35,870 | ₹10,870 | ₹217 | ₹9,783 |
| 43 | 6.7% | ₹33,696 | ₹8,696 | ₹174 | ₹9,826 |
| 44 | 6.3% | ₹31,522 | ₹6,522 | ₹130 | ₹9,870 |
| 45 | 5.9% | ₹29,348 | ₹4,348 | ₹87 | ₹9,913 |
| 46 | 5.4% | ₹27,174 | ₹2,174 | ₹43 | ₹9,957 |
| 47 | 5% | ₹25,000 | ₹0 | ₹0 | ₹10,000 |
| 48 | 5% | ₹25,000 | ₹0 | ₹0 | ₹10,000 |
| 49 | 5% | ₹25,000 | ₹0 | ₹0 | ₹10,000 |
| 50 | 5% | ₹25,000 | ₹0 | ₹0 | ₹10,000 |
Projected payments are illustrative and depend on the assumed auction bid, commission, dividend distribution and scheme terms.
Set a different total discount for any month — the bid amount, dividend, subscription range, trend and schedule update instantly. Monthly discounts follow an illustrative pattern: higher in early months, tapering to the foreman's commission for the final months.
Your base monthly subscription is the chit value divided by the tenure, which always equals the number of members. Before locking a plan, use the Chit Calculator to check what subscription fits your income, then return here to project each month of the chit.
Every projected month applies the same auction discount model: the total discount you set is assumed for each auction, commission is charged on the chit value, and the dividend pool is split across members. Open monthly assumptions to model months where you expect bidding to be higher or lower, and read how chit auctions work for background.
This planner does not select a winning month or calculate a specific prize payout. It estimates each month's subscription from the bid, commission and dividend assumptions you enter. Your actual payout and remaining subscription obligations depend on the auction outcome and your chit agreement — browse verified chit fund programs to compare schemes by value, duration and contribution.
Treat every figure here as an estimate based on your inputs. Your actual payout, deductions and future subscriptions follow the specific chit scheme, auction outcome and signed agreement. Our chit fund guides explain dividends, commissions and auction strategy in more detail.
Plan affordability first, then compare verified programs that fit your budget. Ready to explore chit schemes?