Kameti Calculator — Winner Surcharge Model

How this Kameti works

All members contribute equallyEach month every member pays their base share. Lottery decides who gets the full pot.

Winner pays a surcharge after winningFrom the next month, the winner pays Base + Surcharge%. This extra amount is added to the pot.

Later winners get a bigger potEach past winner's surcharge accumulates — Month 2 pot = base + 1 surcharge, Month 3 = base + 2 surcharges, and so on.

Organizer commission is one-timeThe organizer deducts a fixed % from the pot only when each person receives it — not every month.

Kameti Setup

Total Kameti Amount

₹

10K 1Cr

Total pot that gets distributed each month

Number of Members

2 100

= number of months the kameti runs

Winner Surcharge %

0% 10%

% of Kameti amount paid extra each month by past winners

Organizer Commission %

0% 20%

One-time % deducted from pot when each winner receives it

Base contribution/member: —

Surcharge amount: —

Commission per winner: —

Duration: —

Kameti Summary

Kameti Amount

—

Base Contribution

—

Min Payout (Month 1)

—

Max Payout (Last Month)

—

Organizer Earns (Total)

—

Break-even Month

—

My Kameti — Loan or Investment?

Enter the month in which the draw was awarded to you. The calculator will tell you whether the Kameti acted as a Loan (you got money early and paid a cost) or an Investment (you waited and earned a return) — with full ROI and Rate of Interest breakdown.

I received the draw in Month:

Month 1

What happens if you win the Kameti in month…

Select your month:

Month 1

Net Gain / Loss by Month Taken — click any bar to inspect

Net Loss (borrower)

Net Gain (saver)

Break-even

Key Insights

Month-by-Month Kameti Schedule

Month	Pool (Pot)	Org. Commission	Winner Receives	Monthly Payment	Total Paid (lifetime)	Net Gain / Loss	Eff. Rate p.a.

Kameti — Winner Surcharge Model