Committee BC Calculator
Full savings committee (BC) calculation — monthly share, members, your number, and the loss if you took the committee on a bid. It also shows the present value using a monthly profit rate for the time value of money.
Total Pool (one month collection)
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Your Total Contributions (full cycle)
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Payout You Receive (after bid)
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Cash Profit / Loss (received − paid)
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Present Value Benefit (time value adjusted)
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How to use
- Enter each member's monthly share and the total members.
- Write your number — in which month you get the committee.
- If you took the committee early on a bid, write the bid discount percentage.
- See the total payment, the amount you receive, and the profit or loss. The present value line also counts the value of time — the benefit of an early number shows there.
Note
In cash terms without a bid, the total paid and received are equal; the real difference comes from the timing of your number and the bid discount, which the present value line shows. Committee rules can be different in every group.
Tips
- Without a bid, the total you pay and receive are equal — the real difference comes from timing and bid discounts.
- An early number is worth more in present-value terms; the tool shows this on the present value line.
- Confirm the group's rules on bids, defaults and late payments before joining.
- Keep a written record of every draw — informal committees run on trust plus records.