Daret: Tontine & Group Savings

Your next big goal, funded together. With your people, or with verified members.

Daret turns the classic savings circle (tontine, ROSCA) into a simple app. Everyone contributes the same amount each month, and each month one member receives the pot. A wedding, a trip, a car, a deposit or a safety net: reach it sooner, together.

Two ways to save
• Private circle: save with family, friends or colleagues. Daret organizes everything for free: schedule, payout order and tracking of every contribution.
• Public circle (Europe): no one around you to save with? Join a circle of identity-verified members. Contributions and payouts are collected and paid automatically by SEPA direct debit, right in the app.

Why people switch to Daret
• No more spreadsheets or chasing payments: every contribution and every payout is tracked in real time.
• Clear rules from day one: amount, duration and payout order are set before the circle starts.
• Your money stays yours: Daret never holds your funds.
• Every public circle member is identity-verified before joining.

How it works
1. Choose your circle: create a private circle or join a public one.
2. Set the monthly amount and the duration, or pick a public circle that fits your goal.
3. Contribute each month and receive the pot on your turn.

Made for
• Families and friends saving for big moments
• Anyone who wants to save as a group, even without a trusted network
• People who want a disciplined way to reach a goal

Daret already brings together 4,000+ users and 1,000+ savings circles in 7 countries.

Ready to reach your goal faster? Start your first circle today.

Recent changes:
A brand new Daret:
• Fresh design, clearer and faster
• Identity verification built into the app
• Improved reminders and notifications
• Bug fixes and performance improvements