Getting started with Tovajo

Create your account, set up your profile and join or start your first group.

1. Create your account

Sign up with your email address and choose a unique username. Your username is how friends find you; your email and phone number stay private.

2. Start or join a group

• Start a group: choose a rotating Ajo circle, a shared savings goal or a shared expense collection, then invite members.
• Join a group: open the invitation link a friend sent you, review the group's details and agreement, and accept.

3. Read the group agreement

Every group has a written agreement covering the schedule, amounts, payout order, fees and what happens if someone misses a payment. You accept it before you join.