Support

EKKO is a savings game for New Zealand. You compete with friends, hit a weekly savings target every Friday (Judgment Day), and win the prize pool. It also includes six free financial tools — budget builder, PAYE calculator, debt slayer, KiwiSaver estimator, net worth tracker, and calculator — that anyone can use without signing up.

All six tools are completely free, forever. No sign-up, no email, no payment card required. The savings game (Gold tier) has a weekly subscription fee, but the tools are always free.

Every Friday at 5:30pm NZT your Arena account balance is checked against your High-Water Mark (HWM). If your balance meets or exceeds the HWM, you survive. If not, a lifeline is consumed. You have three lifelines per game. Lose all three and you're eliminated.

Your HWM is the cumulative sum of all weekly targets from the start of your game. It never decreases — even if you miss a week. Each week it rises by your weekly target. This is the number your Arena balance must reach or exceed to survive Judgment Day.

Your base target is your Usable Weekly Income (UWI) × 5%. Each week it escalates by 2%. If you miss daily check-ins during a week, a small micro-escalation may also apply. Your UMI comes from your connected bank via Akahu — EKKO never estimates or guesses it.

Yes. EKKO uses Akahu, a CDR-accredited open banking intermediary. You authenticate directly with your bank through Akahu's interface — EKKO never sees your bank login credentials. Your Akahu token is encrypted at rest using AES-256-GCM and is never logged or exposed to client code.

No. EKKO is non-custodial. Your money never moves into an EKKO account. Your Arena and Stash are your own bank accounts that you designate. EKKO reads the balance — it does not touch the funds.

EKKO never retains any portion of the prize pool under any outcome. The full pool is distributed to winners. The exact distribution formula is detailed in the Game Rules.

Yes. You can close your account at any time from the Account settings page. Personal information is removed within 30 days. Game history is retained for 7 years for dispute resolution as required by law.

If Akahu is unavailable at 5:30pm NZT, EKKO retries every 30 minutes for up to 4 hours. If it's still unavailable after that, the week is skipped — your HWM still advances, but no lifelines are consumed. All affected players are notified.

You can cancel at any time from the Billing page inside the app. Your subscription remains active until the end of the current billing period.

Email us at support@ekko.nz. We aim to respond within 2 working days.