Free calculator

Sosyo Hatian Calculator

Work out the year-end payout per head (ulo): savings back plus an equal share of the group’s interest income.

Your group

Year-end share

Payout per head₱13,825
Your payout₱13,825
Saved per head₱12,000
Income per head₱1,825
Group net income₱36,500
Return on savings15.2%
Total to share out₱276,500
Left in the fund₱0

Income is split equally per head: interest + penalties − expenses, divided by 20 heads. A guide only; your group’s own rules decide the final share.

How the hatian is calculated

A sosyo or bu-bu-ay has two pots at the end of the cycle: the members’ savings, and the group’s income. Savings go back to whoever put them in. Income, mostly the interest members paid on their loans, is what the group earned together, so it is shared.

  1. Savings per head = contribution × number of collections.
  2. Net income = loan interest + penalties and other income − expenses.
  3. Income per head = net income ÷ total heads.
  4. Payout per head = savings per head + income per head. A member with two heads gets twice that.

Before the hatian, make sure every loan is paid back and the cash on hand matches the record. Our guide to running a sosyo as treasurer covers the year-end checklist.

Common questions

What is the hatian in a sosyo?

The hatian is the year-end share-out of a sosyo or bu-bu-ay. Each member gets back what they saved during the cycle, plus their part of what the group earned, mostly the interest paid on members’ loans.

Why is the income split per head and not per peso?

Most sosyo groups let a member hold one or more heads (ulo), and every head saves the same amount. Splitting the net income per head is then the same as splitting it by savings, and it is easy for every member to check.

What if a member missed contributions?

Groups handle this differently: some deduct the missed amount and a penalty, some share income by actual savings. Use this calculator for the standard case, and record each member’s real contributions so the final share is exact.

Where does the leftover centavo go?

When the income does not divide evenly, the calculator rounds each head down to the centavo and shows the small remainder. Most groups keep it in the fund for the next cycle or add it to expenses.

Free calculatorSosyo Loan Interest CalculatorSee the monthly payment, total interest and a full schedule for a member’s loan at a monthly rate. GuidesSosyo and bu-bu-ay guidesContributions, loans, treasurer records and the year-end share, with peso examples.
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