Abstract: A desktop program called the Smart Digital Chits and Finance Management System was created to automate conventional chit fund procedures. Maintaining records and tracking payments in manual systems takes a lot of time and is prone to mistakes. For the management of user registration, chit creation, payment tracking, lottery selection, and report generation, this system offers a safe online platform. Python, Tkinter, and SQLite were used in the development of the application to guarantee effective data storage and intuitive user interface. Data protection is improved by security features like role-based access control and password hashing. The system guarantees accurate financial management, decreases manual labor, and increases transparency. Web deployment and online payment integration are possible future improvements.

Keywords: Chit Fund Management, Financial Automation, Lottery System, Payment Tracking, Report Generation

Downloads: | DOI: 10.17148/IARJSET.2026.13332