Connect, save, and prosper together

Join savings groups with friends and family to reach your money goals


Go far together

Accomplishing your financial goals just got easier with Joola. We combine the power of community with the ability to save money to create shared wins.

*Terms and rates are subject to change.

Easily fund group activities

Save money together and make it simple for everyone to contribute. Make pooling funds for group activities hassle-free, whether it’s a birthday, baby shower, or travel.

Tackle debt, reclaim your finances

Redirect small contributions toward big goals, whether it’s debt, emergencies, or dreams. Discover the power of collective action and reach your financial goals faster.

Support your friends, celebrate together

Joola unites you and your friends to conquer goals, celebrate milestones, and create lasting memories – all while boosting your financial journey.

Flexible financial collaboration

Our flexible group options help you save with purpose on your financial journey.

Solo savings

Solo savings

Inspire and motivate each other to reach your goals independently with a group of like-minded friends. A perfect solution for those who need an excuse to build a good savings habit.

Savings circle

Savings circle

Join a ROSCA (Rotating Savings and Credit Association) group to accelerate your financial goals with the help of your peers. In a ROSCA group, members take turns receiving a lump sum of money each cycle. Drawing inspiration from communities around the world, ROSCA groups allow you to save money while supporting your community and achieving financial goals.

Combined savings

Combined savings

Join a combined savings group and work together towards your shared financial goals! It's the ideal way to plan group activities transparently, such as renting a cabin, organizing a baby shower, graduation or birthday party, and collectively finance other important life milestones.

What our users are saying


I’m a huge fan of Joola. I think this is an incredible app. I’ve joined three groups with different friends and love how easy it is to use. We just redid our patio deck with the money I saved through the app.

– Jose A

Love the automatic payments

I used to organize juntas in WhatsApp groups and Venmo. It stressed me out to go around collecting for payments each month. With the automatic payments, I just have to send reminders now, which is much easier! ❤️❤️❤️

– Laura G

Skeptical at first

I was skeptical at first but this app is a game changer! I hate telling friends to pay me back because I felt awkward about it. Joining a group together makes it different. We can all be accountable. Everything is up front and clear so everyone knows what’s going on.

– David R

Pleasantly surprised

I am pleasantly surprised when I see that my small contributions have accumulated into something substantial over time. 😁

– Johnny D

An easy way to do tandas

Joola is a great way to save money with my family. Personally, I have been struggling to save money and having that accountability really makes a difference.

– Yara R

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Community driven, culturally inspired

Joola draws inspiration from cultures and traditions across the world that come together to accomplish shared financial goals. By combining those traditions with robust security measures enabled by technology, we are putting the power to collectively save into your hands.

Start saving together

Download the Joola app now.


Hand holding Joola app on phone showing a Payout screen

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Participant of Boeing Employees Credit Union's FinTech Incubator 2021
Participant of Boeing Employees Credit Union's FinTech Incubator 2021