Save consistently. Win the pot.
EKKO is a weekly savings game. Hit your personal target every Friday, compete with friends, and the last player standing takes the prize pool. Real money. Real stakes. Your bank stays yours.
No card required to start · Cancel in 30 seconds · Banking via Akahu
$20 / player
Weekly prize pool
Every Friday
Judgment Day
Your UMI × 5%
Target accuracy
How it works
Four steps from signup to your first Judgment Day.
Connect your bank
Link your NZ bank account via Akahu — the Open Banking platform trusted by thousands of Kiwis. No card details. No hidden charges. We read your balance; we never move money without your explicit consent.
Get your weekly target
EKKO calculates your Uncommitted Monthly Income (UMI) — what you can genuinely afford to save after bills. Your weekly savings target is 5% of that. Personalised. Never a flat number that ignores your reality.
Hit it every Friday
Judgment Day is Friday at 5:30 PM NZT. If your savings account is above your high-water mark, you survive. Miss it and you lose a lifeline. Lose all three and you're eliminated. Simple. Ruthless. Fair.
Win the prize pool
Every Gold player contributes $20/week to a shared prize pool. The last player standing at game end takes the pot. EKKO players compete for prize pools every week. Start your own.
The EKKO Manifesto
This is not marketing. It is the design brief.
What other apps do
—Some apps charge you fees for having too little money.
—Some lend you money at rates designed to keep you borrowing forever.
—Some make cancellation deliberately confusing — dark patterns engineered by people who know exactly what they are doing.
—Some use your financial anxiety to sell you products you do not need.
—Some show you a budget you will never stick to and call it help.
—Some rely entirely on the fact that you will forget you are paying for them.
—Some profit from your inertia. Some profit from your stress. Some profit from your debt.
None of that is help. That is extraction dressed up as a service.
What EKKO does instead
→You can cancel in 30 seconds.
→The price is the price — no hidden fees, no rate changes, no surprises.
→We make money when you save money consistently. When you win, we both win.
→When you stop using EKKO, we stop charging you.
→We never move your money without your knowledge.
→We never lock you in. We never hide behind 40-page documents written to confuse, not to inform.
→We are not here to profit from your financial stress. We are here because the system that exists is broken and someone has to build something better. EKKO is that something.
Our promise
✓Your money stays in your accounts.
✓Your data stays private.
✓Your savings are always yours.
✓You are always one tap from the exit.
We are building the system that makes saving money feel like winning something — and eliminating debt feel like the same.
We are saying no to coercion. We are saying yes to trust.
We are building a movement, not just an app.
Pricing
The price is the price. No hidden fees, no rate changes, no surprises. Cancel any time in 30 seconds.
Free
Start planning your finances.
- ✓UMI-Lite (manual income entry)
- ✓Budget Goals & Family Goals
- ✓Weekly savings target calculator
- ✓Check-in streaks & XP
- ✓Friends & social game invites
Utility
Full bank connectivity and automated insights.
- ✓Everything in Free
- ✓Akahu bank account connection
- ✓Automated UMI (real cash flow)
- ✓Real-time balance tracking
- ✓Enduring consent transfers
- ✓Transaction history
Gold
Compete for real prize pools. Win real money.
- ✓Everything in Utility
- ✓Weekly prize pool games
- ✓Last-standing wins the pot
- ✓Gold-tier leaderboard
- ✓Kotahitanga collective mode
Billed weekly, starting the Thursday after signup. No trials for paid tiers — your $20/week goes straight into the prize pool.
Frequently asked questions
Where does my money go?
Your money never leaves your own bank accounts. EKKO reads your balance via Akahu (NZ Open Banking) to verify you hit your savings target each Friday. The $20/week Gold subscription goes to Stripe — a portion is held in the shared prize pool for the game winner.
What is Judgment Day?
Every Friday at 5:30 PM NZT, EKKO checks your savings account balance against your personal high-water mark. If you're above it by your weekly target, you survive. Miss it and you lose a lifeline. Three missed targets and you're eliminated from the game.
What is UMI?
UMI stands for Uncommitted Monthly Income — the money left after your fixed expenses and essential spending. Your weekly savings target is 5% of your weekly UMI. On the Utility and Gold tiers, Akahu calculates this from your real transaction data. On Free, you enter it manually.
How do prize pools work?
Every Gold player's $20/week subscription contributes to a shared prize pool for their game. The last player surviving Judgment Day takes the pot. No staking, no gambling — it's a subscription game with skill-based survival mechanics.
Is my banking data safe?
EKKO uses Akahu — an FMA-regulated Open Banking provider. Akahu uses read-only access to see your balance and transaction data. We never store raw banking tokens. All tokens are encrypted at rest with AES-256-GCM. We never initiate bank transfers without your explicit consent.
Can I cancel?
Yes. Any time. In under 30 seconds via the Account page. When you cancel, we stop charging you at the end of your current billing week. We never make cancellation confusing on purpose.
What is Akahu?
Akahu is a New Zealand Open Banking platform. They hold a licence from the Financial Markets Authority (FMA) and are trusted by thousands of Kiwis. They connect your bank account to apps securely — read-only, with your explicit consent. You can revoke access at any time via my.akahu.nz.
Start saving like
your rent depends on it.
Free to start. No bank connection required on day one. The only cost is the prize pool — and that's yours to win.
Get started free