Products · Savings plans
Goal-based savings, on a schedule.
Individual plans with schedules, withdrawals, progress reports and overpayment resolution — for members saving toward something specific.
The opportunity
A savings goal without a schedule drifts. A missed instalment can go unnoticed, and the member has no way to check how close they are.
SusuPaa turns the goal into a schedule, tracks every instalment against it, and lets the member check their own progress.
Why organisations choose Savings plans
A goal, a schedule, a date
Each plan has a target, a contribution amount, a frequency and an end date. Progress is a number you can point to.
Every due date tracked
Schedules mark each instalment pending, partly paid, paid or overdue. Reminders follow the schedule.
Groups of savers
Bundle plans into a named cohort, link it to a WhatsApp group, and post progress reports to everyone at once.
Withdrawals with approval
A member asks. A staff member approves or declines. Nothing moves until they do.
Goals and schedules
Save toward something specific. School fees in January, a roof by the rains. A plan is a target with a calendar behind it.
A savings plan belongs to one member. It carries the target, the single contribution amount, the frequency and the dates. From those, SusuPaa generates the schedule: one row per due date with the expected amount. As deposits arrive they settle the earliest open instalment first, and the plan's progress updates.
Flexible frequency
Daily, weekly or monthly instalments, with the schedule generated up front so both sides can see it.
Partial payments
Pay half today and half tomorrow. The instalment shows partly paid until it clears.
Overpayment resolution
Surplus is detected automatically. Move it forward, refund it, or apply it elsewhere.
Savings groups
One report for the whole cohort. Link a savings group to WhatsApp and the progress report writes itself.
Savings groups bundle individual plans into a cohort with its own name. Link the cohort to a WhatsApp group and SusuPaa posts milestone updates and periodic progress reports. A bi-weekly check-in nudges savers without a phone call from you.
Milestone updates
When the cohort crosses a threshold, the group hears about it.
Progress reports
A periodic summary of what has been saved and what is left, posted to the group.
Bi-weekly reminders
A gentle check-in on a fixed cadence, in your own template.
Withdrawals and reports
Members ask. Staff approve. The plan updates.
A withdrawal starts as a request from the member or their agent. Nothing leaves the plan until a staff member approves it, and the approval, the payout and its reference are all on the record.
Request and approve
Every withdrawal is a two-step act with a named approver.
Statements
Members download their own statements from the portal. Staff export the plan's history.
Bulk import
Bringing plans across from paper or a spreadsheet? Import them with opening balances, recorded from day one.
How migration works ›
Everything in the box
Built for the member who saves toward a goal.
- 01Goals and schedules
- A target, a cadence, a plan.
- 02Withdrawals
- Member requests, staff approves.
- 03Overpayment resolution
- Detected, then resolved or moved.
- 04Automatic reminders
- WhatsApp and SMS, your template.
- 05Progress reports
- Members check without asking.
- 06Bulk import
- Existing plans move across.
Works with
FAQ
Questions people ask about savings plans
Can a member have several plans?
Yes. Each plan is separate, with its own target, schedule and progress.
What does a member see?
Their plan, its schedule, what they have paid and what is left. It's all in the member portal, on their phone.
Do reminders cost extra?
WhatsApp posts to a linked group are included. SMS to individuals draws down your plan's monthly SMS allowance. More is available in bundles.