Creating a shared savings goal

Set a target, choose how to split it and invite your group.

Split options

• Equal: everyone contributes the same amount (to the exact kobo).
• Custom: you propose amounts or percentages; each member must accept theirs.
• Weighted: contributions follow agreed percentage weights.
• Open: members contribute what they choose, with no fixed commitment.

Tovajo calculates each member's schedule from the deadline and contribution frequency. Material changes after members commit, such as a new target, deadline or beneficiary, need the group's approval.