Millions of people around the world already pool money with coworkers, neighbors, and family to help each other through tough times. InTurn brings this proven model — called a rotating savings circle — into the modern workplace with structure, accountability, and zero debt.
Financial stress is the #1 cause of lost productivity in the American workplace. Employees who live paycheck-to-paycheck can't afford an unexpected $500 car repair, let alone a medical bill. Banks offer loans — at 20–30% interest. Payday lenders are worse. And most employees don't have three months of savings.
Meanwhile, across West Africa, the Caribbean, South Asia, and immigrant communities across the US, people have been quietly solving this problem for centuries: they pool money together.
A rotating savings circle is a group of people who each contribute a fixed amount every pay period. Each cycle, one person receives the entire pool as a lump sum — their "turn." No interest. No banks. No debt. Just people supporting each other, in turn.
You may know it by different names: susu in West Africa and the Caribbean, tandas in Latin America, chit funds in South Asia, tontines in Francophone communities. Regardless of the name, the math is the same — and it works.
Traditional savings circles depend on trust, informal tracking, and someone who keeps everyone accountable. That works great in tight-knit communities — but it's hard to manage inside a company of 50 or 500 employees.
InTurn gives HR teams a structured system to run these programs properly:
Company sets up a circle. HR defines the contribution amount, cycle length (biweekly or monthly), and team size. InTurn assigns each participant a turn in the rotation.
Employees contribute every paycheck. Small, consistent amounts — typically $50–$200 — come from payroll or direct deposit. No one contributes more than they receive.
One person receives the pool each cycle. When it's your turn, you receive the full pooled amount — instantly. A 10-person circle contributing $100 each means a $1,000 payout every cycle.
Everyone cycles through. The rotation continues until every participant has received their turn. Then the circle can reset or conclude.
This isn't charity. It's infrastructure. And HR teams are adopting it because it solves real retention and productivity problems without adding to benefits spend.
Financial wellness benefits have historically been generic — apps, webinars, calculators. InTurn is different because it delivers real cash to employees when they need it. That's not a perk. That's a safety net.
Employers who offer InTurn report:
InTurn charges employers a one-time $500 setup fee and $200/month for ongoing administration. That covers onboarding, rotation management, notifications, and support.
There is no cost to employees. They contribute and receive their own money — InTurn just makes the system trustworthy and frictionless.
For a 20-person team, that's $10/employee per month for a benefit that delivers hundreds or thousands of dollars in real cash to someone on your team every single cycle.
Is a rotating savings circle legal?
Yes. Rotating savings and credit associations (ROSCAs) are legal in the United States and practiced globally. InTurn structures the program with documentation, transparent schedules, and employer oversight to ensure compliance.
What happens if someone leaves mid-cycle?
InTurn's program design handles early departures. Employees who have not yet received their turn may exit with pro-rated contributions returned, depending on your program configuration. Your admin dashboard tracks every transaction.
Does InTurn handle the money?
InTurn manages the rotation schedule and administration — the actual contributions flow through your existing payroll or direct deposit process. InTurn does not hold employee funds.
How many employees do I need to start?
A circle works with as few as 5 employees. Larger organizations can run multiple circles simultaneously — by department, location, or contribution tier.
Setup takes less than a week. No IT required. No new payroll systems. Just a real financial safety net that runs itself.
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