Committee (BC) Calculator

Your committee payout, the month-by-month schedule, and whether your turn gains or loses value once inflation is counted.

The month you take the pot, for example 1 for the first turn.

Default: latest PBS CPI, year on year.

With turn 5, you get Rs 100,000 in month 5 of 10. Counting inflation, that is worth Rs 367 more than everything you pay in, like an interest-free loan.

Your payout Rs 100,000 1.00 lakh
You pay in total Rs 100,000
Your gain in today's money Rs 367
Months before your turn 4

Month by month

MonthYou payPot goes toYour balance
1Rs 10,000Member 1-Rs 10,000
2Rs 10,000Member 2-Rs 20,000
3Rs 10,000Member 3-Rs 30,000
4Rs 10,000Member 4-Rs 40,000
5 You are hereRs 10,000YouRs 50,000
6Rs 10,000Member 6Rs 40,000
7Rs 10,000Member 7Rs 30,000
8Rs 10,000Member 8Rs 20,000
9Rs 10,000Member 9Rs 10,000
10Rs 10,000Member 10Rs 0

Source: PBS CPI, September 2026 (10.26% year on year)

By

How a committee works

A committee, also called a BC or kameti, is a group savings plan. Every member pays the same amount each month, and each month one member takes the whole pot. With 10 members paying Rs 10,000, the pot is Rs 100,000 and the committee runs for 10 months. Everyone pays Rs 100,000 in total and gets Rs 100,000 back once.

So on paper, nobody gains or loses. The difference is when you get the money.

Why your turn matters

Prices rise every month. Rs 100,000 received in month 1 buys more than Rs 100,000 received in month 10. The calculator counts this using the latest yearly inflation figure from the Pakistan Bureau of Statistics, shown under the calculator, and gives the result in today’s money.

At around 10% inflation, in a 10-member committee of Rs 10,000 a month, taking the first turn is worth about Rs 3,500 more than everything you pay in. It works like an interest-free loan: you get the full amount now and pay it back over the next nine months. Taking the last turn is worth about Rs 3,500 less, because you are lending to everyone else for free while prices rise.

Which turn should you take?

Take an early turn if you need the money for something specific soon, like a fee, a deposit or a wedding expense. It is the cheapest loan you will find.

Take a late turn if you are using the committee to force yourself to save. You lose a little to inflation, but the discipline is worth it for many people. If you are a disciplined saver anyway, putting the same monthly amount in a savings account or a fund usually beats a late turn.

Things to agree before you join

  • How turns are decided: by draw, by need, or fixed in advance.
  • What happens if a member stops paying after taking their turn. This is the biggest risk in any committee, because there is no bank or contract behind it.
  • Who keeps the record of payments. A shared note or spreadsheet that everyone can see avoids most arguments.

See what the same monthly amount could grow to in a mutual fund with the SIP calculator, or check what inflation does to cash with the inflation calculator.