Managing personal savings is hard, but managing group savings is even harder. Whether it's for a vacation, a shared goal, or a traditional savings circle (like a susu or chit fund), groups rely on messy spreadsheets, constant reminders, and social pressure. This process is prone to errors, missed payments, and a lack of transparency, often leading to failed goals and frustration.
KOSH is a FinTech web application that digitizes and automates this entire process. It provides a secure, transparent, and motivating platform for both individual and collaborative savings.
By enforcing rules, automating contributions, and applying penalties for missed payments, KOSH transforms a chaotic social process into a simple, disciplined financial tool, helping users build healthy financial habits and achieve their goals together.
Instead of allowing payments anytime, I introduced fixed contribution windows.
- Late payments incur penalties (capped at 40%)
- Missed payments reduce final payout eligibility
Tradeoff: More complex backend logic
Reason: Ensures fairness and prevents manipulation
Admins control member approval, campaign start, and payout.
Tradeoff: Centralized control
Reason: Mirrors real-world savings groups and avoids chaos
This version intentionally avoids real payments. Reason: Focus on system design and correctness before compliance & security complexity
- Create & Join Groups: Form public (auto-join) or private (admin approval) savings groups.
- Group Campaigns: Set shared savings goals with start/end dates and contribution amounts.
- Contribution Tracking & Penalties Tracks manual monthly contributions and automatically applies a penalty (up to 40%) for late/missed payments to enforce discipline.
- Admin-Triggered Payouts: After the campaign ends, the admin distributes the funds with a single click, triggering an equal and automated payout to all members.
- Individual Savings: Create personal, private savings goals (with manual contributions) to track your own progress.
- Personal Wallet: Securely manage your funds, top-up your balance, and track all transaction history.
- Secure Authentication: Full login/register system with email verification (using NextAuth & JWT).
- User Profiles: Update personal details and manage your account.
- Admin Controls: Group admins manage members, approve requests, and oversee campaigns.
- Spam Prevention: Limits group joining requests to prevent system abuse.
- Safe Deletion Logic: Admins must distribute funds and delete their group before they can delete their own account, ensuring no one loses their money.
- Dashboard: A central hub to view your wallet, active campaigns, and group progress.
- Frontend: Next.js 15, React 19, TailwindCSS, ShadCN UI, Axios
- Backend: Next.js API Routes (Node.js, Express-like)
- Database: MongoDB + Mongoose
- Auth: NextAuth (JWT-based authentication)
- Deployment: Vercel
/app
/api → Next.js API Routes
/auth → Authentication pages
/dashboard → User dashboard pages
/groups → Group savings pages
/src
/features → Feature-based modules (auth, savings, profile)
/components → Reusable UI components
/components
/ui -> Shadcn ui components
git clone https://github.com/kaushik0010/KOSH.git
cd koshpnpm install
Create a .env.local file and add:
MONGODB_URI=your_mongodb_connection_string
NEXTAUTH_SECRET=your_nextauth_secret
RESEND_API_KEY=your_resend_api_key
pnpm dev
Visit http://localhost:3000
pnpm build
pnpm start
Click to expand/collapse screenshots
Contributions, issues, and feature requests are welcome! Feel free to fork this repo and submit a pull request.
If you like this project, don’t forget to star ⭐ the repo!