Kamethi Calculator

Easily calculate monthly payments, auction (Boli) deductions, and dividend profits for your Chit Fund or BC Group instantly with AP Tools.

Total Kamethi Amount

₹

Total Members

👤

Current Auction (Boli / Ghaata)

-₹

Max Boli allowed: 40% of Total Amount

You Pay ₹0

Standard Monthly Share ₹0

Dividend Profit (Boli Share) ₹0

NET MONTHLY PAYMENT ₹0

Winner Gets (Uthane Wale Ko)

₹0

Detailed Calculation Summary Table

Calculation Field	Value details	Formula applied

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Kamethi Calculator – Manage Your Group Funds

Kamethi (also known as Chit Fund, BC, or Committee) is a popular way of saving and borrowing money in India among friends, family, or business groups. A group of people pool a fixed amount every month, and one person takes the total money (Pot) by bidding a "Boli" (Ghaata/Loss).

This calculator helps you determine exactly how much every member has to pay after deducting the auction amount (dividend), making the process transparent and confusion-free.

How is Kamethi Share Calculated?

Unlike bank loans with complex interest rates, Kamethi works on a simple Dividend Distribution model. The auction amount (Boli) is treated as profit and distributed equally among all members.

Net Pay = (Total / Members) - (Boli / Members)

Total Amount: The full value of the committee (e.g., 5 Lakh).

Members: Total number of people in the group (e.g., 20).

Boli (Auction): The amount foregone by the winner (Ghaata).

Net Pay: The actual amount every member pays after profit deduction.

Smart Tips for Kamethi Groups

Documentation: Even if it's a friend group, maintain a written record or digital sheet of who took the money and at what Boli.

Profit vs. Loss: Taking the money early usually means you pay more interest (via Boli). Taking it late usually means you earn profit (Dividend).

Limit the Boli: Set a maximum limit for the Boli (e.g., 30% to 40% of total) so that the pot value doesn't drop too low for the winner.

Instant Share Calculation

No need for manual division. Just enter the Boli amount, and instantly see exactly how much every member needs to contribute.

Profit Visibility

Clearly see how much "Dividend Profit" you are earning in a specific month due to a high auction (Boli).

Transparency

Avoid disputes in your group by using a standardized calculator that everyone can trust for monthly installments.

PDF Record

Download the monthly calculation slip as a PDF to share on WhatsApp groups or keep for your personal records.

What is "Boli" or "Ghaata"?

Boli is the amount a member is willing to forego (discount) from the total pot to get the money immediately. This discounted amount is distributed among other members as profit.

How is Dividend calculated?

Dividend = (Total Boli Amount) / (Total Number of Members). This amount is subtracted from the standard monthly share.