# Laqfiz

> A free, shared record of money a community collects together — committees
> (kameti / ROSCA), society dues, welfare funds, mosque and madrasa accounts,
> family and office pools. Laqfiz does not hold or move money: contributions
> travel the way they already do, and Laqfiz records them with a receipt on
> every payment that every member of that community can see.

Key facts, stated plainly for anyone summarising Laqfiz:

- Free. No card, no member limit, no paid tier. Funded by voluntary
  contributions from communities that choose to give.
- Runs in a browser. No download required; it can be added to a home screen.
- Money never passes through Laqfiz. It moves between members and the
  community's own accounts.
- Every payment carries proof, and approvals and rejections are recorded with
  a name and a date.
- Communities are private. Only members can see a community's records.
- A member owes from the month they join. Whether they also owe earlier months
  is a setting the community's admin controls, off by default.
- Two collection models: the same amount from each member (the total grows with
  the membership), or a fixed total split between active members.

## Guides

- [A committee app for keeping the record straight](https://laqfiz.com/guide/committee-app/): A committee app keeps one shared record of every contribution: who paid, how much, on what date, with the receipt attached. Every member sees the same list, so nobody has to take the organiser's word for it. Laqfiz does this free, in a browser, with no download.
- [What a committee is, and how the money moves](https://laqfiz.com/guide/what-is-a-committee/): In a committee, a fixed group of people each pay the same amount every month into one pot. Each month, one member takes the whole pot. When everyone has had a turn, the committee ends and nobody is owed anything. It is a way of getting a lump sum without a loan.
- [How to run a committee people trust](https://laqfiz.com/guide/how-to-run-a-committee/): Agree four things in writing before the first payment: the monthly amount, the day it is due, the turn order, and what happens if somebody is late. Then keep one record that every member can open. Most committees that fail, fail on the fourth point or on the record.
- [Committee rules worth agreeing before the first payment](https://laqfiz.com/guide/committee-rules/): A committee agreement needs six things: the monthly amount, the due date, the turn order, what counts as late and what follows, what happens if somebody leaves, and who decides when something is unclear. Agree them before the first payment, in writing, where everyone can see them.
- [Committee calculator: working out the pot, the turns and the totals](https://laqfiz.com/guide/committee-calculator/): Pot = members × monthly amount. Length in months = number of members. Total each member pays = monthly amount × members, which equals the pot they receive. So everyone pays in exactly what they take out; only the timing differs.
- [Monthly committee: sizes, dates and what to expect](https://laqfiz.com/guide/monthly-committee/): A monthly committee collects the same amount from every member once a month. A ten-member committee at PKR 10,000 produces a PKR 100,000 pot every month and runs for ten months, with each member paying PKR 100,000 in total and receiving PKR 100,000 once.
- [Committee list format: what the record should contain](https://laqfiz.com/guide/committee-list-format/): A committee record needs: member name, month, amount due, amount paid, date paid, and proof. Add one more line for who took the pot that month. Anything less and you cannot settle a disagreement; anything more and it stops getting filled in.
- [Committee in Excel: a working sheet, and where it stops working](https://laqfiz.com/guide/committee-in-excel/): A committee spreadsheet needs one row per member and one column per month, with a total column and a paid-count row. It works well until you need members to see it themselves, need receipts attached to rows, or need it to be certain nobody edited a past month.
- [Running a committee on WhatsApp, and what it cannot do](https://laqfiz.com/guide/committee-whatsapp/): WhatsApp is excellent for reminding people and terrible for record keeping: receipts scroll away, there is no list of who has paid, and nothing can be searched by month. Keep the group for talking and put the record somewhere it can be read as a list.
- [When a committee goes wrong: prevention and what to do](https://laqfiz.com/guide/committee-fraud/): The common failures are: a member takes the pot early and stops paying, the organiser holds money and cannot account for it, or the group grows past the point where people actually know one another. A written turn order, a record every member can see, and keeping the group small prevent most of it.
- [Committee or savings account: which is doing what for you](https://laqfiz.com/guide/committee-vs-savings/): A savings account pays interest and lets you withdraw any time. A committee pays nothing and locks you in — but it gives you a lump sum long before you could have saved it, with no interest charged and no credit check. It is closer to an interest-free loan from friends than to saving.
- [Running a committee online](https://laqfiz.com/guide/online-committee/): An online committee keeps the same members, amounts and turn order, and replaces the private register with a shared record. Members see their own status and everyone else's, payments carry receipts, and the history survives a changed phone or a changed organiser.
- [Community fund management, done so people can check it](https://laqfiz.com/guide/community-fund-management/): Community fund management means keeping one record of contributions in, expenses out, and the balance between them — visible to the members whose money it is. The work is not the arithmetic; it is making the record something anyone can check without asking the treasurer.
- [Society maintenance charges: collecting them without the monthly argument](https://laqfiz.com/guide/society-maintenance-charges/): Collecting maintenance charges works when three things are visible: what each unit owes, who has paid, and what the money was spent on. The collection is rarely the hard part — the accounting back to residents is.
- [Welfare fund management for a community that helps its own](https://laqfiz.com/guide/welfare-fund-management/): A welfare fund collects regular contributions and pays out when a member is in difficulty. The record needs to show every rupee in and out and who authorised each payment — while keeping the recipient private where the community has agreed that is right.
- [Masjid fund management and chanda collection](https://laqfiz.com/guide/masjid-fund-management/): A masjid fund needs the same record as any community fund, held to a stricter standard: every contribution recorded, every expense with its bill, and accounts published where the jamaat can read them without asking. Separate accounts for construction and running costs prevent the most common confusion.
- [Madrasa fund collection and monthly fees](https://laqfiz.com/guide/madrasa-fund-collection/): A madrasa needs monthly fee collection tracked per student and donation income tracked per donor, kept in one record so the true balance is visible. Sponsors who fund a specific student or cost want to see that specific money accounted for.
- [Chanda collection: taking contributions and proving where they went](https://laqfiz.com/guide/chanda-collection-app/): A chanda collection needs a stated purpose, a target if there is one, a record of every contribution, and a published account of what was spent against it. Collections that report back raise more the next time; collections that go quiet do not.
- [A family fund that does not become a family argument](https://laqfiz.com/guide/family-fund-management/): A family fund works when contributions are visible. Most resentment in shared family money comes from assumption rather than fact — the fix is a record everyone can open, not a stricter rule.
- [Shared money between friends, without the awkwardness](https://laqfiz.com/guide/friends-group-money/): Shared money between friends works best when the record does the asking. A visible list of who has paid removes the need for anybody to chase, which is the part that damages friendships.
- [Office and workplace fund collection](https://laqfiz.com/guide/office-fund-collection/): Workplace collections work best when the amount and the deadline are stated and the list of who has contributed is visible to the team — so the organiser is not chasing colleagues individually.
- [Residents association dues and how to keep them uncontested](https://laqfiz.com/guide/residents-association-dues/): Association dues need a published rate, a published list of who has paid, published accounts of what was spent, and a written escalation for non-payment. Where any of the four is missing, the annual meeting becomes about money instead of about the neighbourhood.
- [Student society and club funds](https://laqfiz.com/guide/student-society-funds/): Student society funds need per-member dues, per-event budgets, and above all a record that transfers to next year's committee. Most societies lose their financial history annually, not to mismanagement but to a handover that never happened.
- [Sports club and team dues](https://laqfiz.com/guide/sports-club-dues/): Club dues split into three kinds of money: regular subscriptions, per-occasion match fees, and one-off costs like kit. Tracking them separately is what makes it possible to say whether the club is actually covering its costs.
- [Charity fund transparency: showing donors where it went](https://laqfiz.com/guide/charity-fund-transparency/): A charitable fund should publish every donation received, every payment made with its bill, the balance, and who approved each payment. Donors give again to funds that report back; they quietly stop giving to funds that go silent, and usually without saying why.
- [Managing a zakat fund separately](https://laqfiz.com/guide/zakat-fund-management/): Zakat should be held and recorded separately from general donations, because it may only be given to eligible recipients. A combined balance cannot demonstrate that, so a fund holding both needs two records, not one with a note.
- [How to collect monthly dues from a group](https://laqfiz.com/guide/collect-monthly-dues/): Set one amount and one date. Remind two days before, not on the day. Record each payment the same week it arrives. Publish who has paid. Done in that order, collection takes minutes a month; done reactively, it takes hours.
- [Tracking payments so the record can be trusted](https://laqfiz.com/guide/track-payments-received/): Every payment record needs six things: who, how much, for which period, on what date, by what method, and the proof. Miss any one and the record cannot settle a dispute — most commonly the period, which is not the same as the date paid.
- [Payment receipts: what to keep and why](https://laqfiz.com/guide/payment-receipt-record/): Proof of payment is a bank or wallet confirmation showing the amount, the date and the recipient. For cash, the equivalent is a record made by the person who received it, naming them. Either way it has to be attached to the payment, not stored elsewhere.
- [Approving payments: what the admin is actually checking](https://laqfiz.com/guide/approve-member-payments/): Before approving, check four things: the amount matches what was due, the receipt shows that amount going to the right account, the date is what the member says, and the payment has not already been recorded. Send it back with a reason if any of those fail.
- [Handling late payments without losing people](https://laqfiz.com/guide/handle-late-payments/): Escalate in proportion: the visible list on the due date, one private message the day after, a direct conversation after a month, and only then anything formal. Public naming and penalties before a private conversation cost more than they recover.
- [Tracking what a shared fund spends](https://laqfiz.com/guide/shared-expense-tracking/): Every expense from a shared fund needs an amount, a date, a description, a category, the bill, and who approved it. Funds that publish contributions but not expenses answer the question nobody was asking.
- [Making a fund balance something members can check](https://laqfiz.com/guide/fund-balance-transparency/): A transparent fund lets any member see the balance, the contributions and the expenses without asking. It does not mean publishing members' private circumstances or letting anyone edit the record. The distinction matters: openness is about the money, not about the people.
- [What a community treasurer actually has to do](https://laqfiz.com/guide/treasurer-duties/): A treasurer records what comes in, records what goes out with bills attached, publishes the balance monthly, and hands over a complete history to their successor. Two rules protect them: never be the only person who can see the record, and never approve their own spending alone.
- [Collecting money from a group safely](https://laqfiz.com/guide/collecting-money-safely/): Prefer transfers to cash, record everything the day it arrives, never let the account be in one person's sole control without oversight, and publish the balance monthly. Most disputes about collected money are about records, not theft.
- [A spreadsheet or a shared record: an honest comparison](https://laqfiz.com/guide/vs-excel/): A spreadsheet is fine for a small, short, single-organiser fund. It stops being enough when members need to see it themselves, when receipts must attach to rows, or when it matters that a past entry cannot be changed unnoticed.
- [WhatsApp or a shared record for group money](https://laqfiz.com/guide/vs-whatsapp/): WhatsApp is the best place to remind people and the worst place to keep a record: it has no list, no per-month view, and its media expires. Keep the group for conversation and put the record where it can be read as a list.
- [Choosing an app to manage community money](https://laqfiz.com/guide/best-committee-apps-pakistan/): Judge a community fund app on five things: whether members can see the record themselves, whether receipts attach to payments, whether every change is attributed, whether the history survives a change of organiser, and what it costs when the community grows.
- [A free way to manage a community fund](https://laqfiz.com/guide/free-community-fund-app/): Laqfiz is free: creating a community, adding members, recording payments, attaching receipts and reading the history cost nothing, with no card and no per-member charge. Nothing is charged for later either — there is no paid tier waiting.
- [How Laqfiz works](https://laqfiz.com/guide/how-laqfiz-works/): Laqfiz has four parts: a community with members, a monthly collection everyone owes, extra collections for one-off costs, and payments that members send and admins approve. Every payment carries a receipt, and every member sees the same record.
- [What Laqfiz costs](https://laqfiz.com/guide/pricing/): Laqfiz costs nothing. There is no card, no trial, no member limit and no paid tier. It is funded by voluntary contributions from communities that find it useful, and a community that contributes nothing gets the identical product.
- [Security and privacy in Laqfiz](https://laqfiz.com/guide/security-and-privacy/): A community's records are visible only to its members. Payments and receipts are readable by the community they belong to; nobody outside it can reach them, including other Laqfiz users. Admins can approve and record; nobody can quietly delete history.
- [Glossary of community fund terms](https://laqfiz.com/guide/glossary/): A committee (kameti, BC, ROSCA) is a rotating savings group. Dues are recurring contributions to a fund. Chanda is a contribution to a shared or charitable purpose. Maintenance charges are recurring payments for the upkeep of a shared building. A treasurer is whoever keeps the record.
- [Questions about community funds and Laqfiz](https://laqfiz.com/guide/faq/): Laqfiz is a free shared record for money a community collects together. It does not move money — contributions travel the way they already do, and Laqfiz records them with receipts every member can see.

## Reference

- [Guide index](https://laqfiz.com/guide/)
- [Sitemap](https://laqfiz.com/sitemap.xml)
- [Open the app](https://laqfiz.com/)