KAMAITI / BC COMMITTEE · SAVINGS GOALS · PKR
Kamaiti (Committee / BC) Installment & Payout Tracker in Pakistan
KharchaTracker includes a dedicated PKR Savings & Kamaiti (ROSCA / BC committee) tracker for Pakistani families, salaried employees, and traders. Track monthly committee installments paid, total pool pot value, upcoming payout turn dates, and remaining post-payout obligations alongside gold, emergency, and Hajj savings goals.
01. Eliminate Committee Installment Disputes
In Pakistan, informal Kamaiti (BC) committees are one of the most popular ways to save for major milestones—yet tracking 12 to 24 monthly installments on paper or buried WhatsApp chats causes missed dates and confusion.
- Record every monthly PKR installment directly from the bank or cash wallet you paid from.
- See exact cumulative paid-in capital vs. remaining committee liability at any point.
- Attach transaction notes for member turn numbers, transfer reference IDs, or organizer receipts.
02. Plan Payout Liquidity & Post-Payout Commitments
Whether you have an early turn (for urgent purchase or business stock) or a late turn (disciplined lump-sum saving), know your exact monthly cash-flow commitment.
- Track multiple concurrent kamaitis (e.g., Rs 10,000 office BC + Rs 25,000 family kamaiti) in one view.
- Automatic monthly budget integration ensures your salary covers upcoming committee dues first.
- Includes Zakat-readiness clarity on paid-in committee receivables.
Sample Rs 20,000 × 12-Month Kamaiti Pool Lifecycle
| Metric | Calculation | PKR Amount |
|---|---|---|
| Monthly Member Contribution | Rs 20,000 × 1 member | Rs 20,000 / mo |
| Active Committee Duration | 12 Members (12 Monthly Draws) | 12 Months |
| Total Single Turn Payout Pot | Rs 20,000 × 12 Members | Rs 240,000 |
| Paid After Month 5 | 5 Paid · 7 Remaining | Rs 100,000 Paid / Rs 140,000 Due |
Frequently Asked Questions
Can I track more than one Kamaiti at the same time?
Yes. You can create unlimited Kamaiti and savings goals inside your Personal Workspace, each with its own target pot in PKR, monthly contribution amount, and payment history.
Is Zakat applicable on money paid into an ongoing Kamaiti?
Under standard Pakistani Hanafi jurisprudence, installments you have already paid into a Kamaiti that you have not yet received back count as recoverable savings/receivables toward your Zakatable assets; once you receive the payout early, future unpaid installments for that cycle are deducted appropriately. Always verify complex cases with a qualified scholar and use our free PKR Zakat Calculator.