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Susu payout calculator

Enter your circle’s contribution and size to see the pot, every fee taken when it pays out, and what each member receives. It uses the same fee math as The SUSU App.

Between $25.00 and $10,000.00.

Members
102 to 20
How often
Where the circle is
Members pay by
EACH PAYOUT, ITEMISED$700.00 pot · 10 members × $70.00
Pot$700.00
Platform fee5% of the pot, at least $0.30−$35.00
Card processing, at costStripe's 2.9% + 30¢ on each $70.00−$23.30
Payout to your bank0.25% + 25¢−$2.00
Stripe account feeYour first payout each month only−$2.00
Each member receivesFees $62.30 · 8.9% of the pot$637.70
Rounds
10, one payout each
The circle runs
10 months
Each member pays in, in total
$700.00
Each member gets back, once
$637.70

An estimate in US dollars. Processing on a real payout is what Stripe actually charged your circle, passed on with no markup, so the figure will differ a little. The app itemises every payout before it is paid.

How the fees work

Nothing is added when you pay in: each member pays exactly the contribution. Every fee comes out of the pot when a round pays out, so the member receiving it sees the whole bill in one place.

  • Platform fee: 5% of the pot, at least $0.30. This is how the app makes money.
  • Processing: what Stripe charged to collect the round’s contributions, passed on at cost. By card that is 2.9% + 30¢ a payment; by US bank debit, 0.8% capped at $5.
  • Payout: Stripe’s 0.25% + 25¢ to send the pot to the member’s bank, 0.5% + 25¢ to an account outside the US.
  • Account fee: Stripe’s $2.00 on a member’s first payout in a calendar month.

What this estimate assumes

  • Every member pays the same way. A mixed circle lands between the card and bank figures.
  • Each payout carries the $2.00 account fee. A member paid twice in the same calendar month, say from two circles, pays it once.
  • The one-off $1.50 Stripe charges to verify a newly linked bank account is not included; it comes out of the first payout after you link one.
  • Figures are in US dollars. Circles outside the US pay in their local currency, where Stripe’s fixed fees differ slightly.

Does your place in the order change what you get?

No. Every round pays the same pot with the same fees, so the first member and the last receive the same amount. What changes is timing. Whoever is paid first gets the whole pot before paying most of it in, in effect an interest-free advance from the others; whoever is paid last has simply saved it. That is the trade a circle runs on, and what a susu is explains how groups decide the order.

Over a full circle, each member pays in exactly one pot and receives one pot less the fees. Anything that promises you more than everyone put in is not a savings circle: here is how to spot a blessing loom.

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