Friends saving money together

Join forces with friends you know and trust to save money.


Save together. Earn together.

Accomplishing your financial goals just got easier with Joola.

*Terms and rates are subject to change.

How Joola works

1. Create or join groups that fit your money goals

Choose groups with payment terms you feel comfortable with.

2. Contribute to your group money pool

Each group member contributes a set amount at regular intervals (bi-weekly, monthly) until everyone has received their payouts.

3. Get paid when it is your turn

The money pool is a great way to build up your savings and access funds when you need them most.

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.

Get the Joola app now


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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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