Find out what your household habits
are costing you.

Your AQ — Artha Quotient — scores your household economy out of 1,000. It's step one of joining OikosAi: find out exactly where money is leaking, in real dollars, then let OikosAi help you keep it.

10.9M¹

Australian households facing the same cost pressure

$3–8K²

Typical yearly savings left unclaimed per household

1,000³

Your AQ is scored on this scale — the higher, the less you're leaking

¹ ABS household count estimate, 2026 · ² Derived from ACCC and ABS CPI cost-of-living findings, 2026, combined across energy/grocery/fuel/insurance categories — see Research section below · ³ AQ scale is a proprietary methodology, not a government or third-party index

The problem is real. Here's what fixing it looks like.

AQ measures where it's happening. OikosAi works on it every day, in the background — not a one-off comparison, the whole way through to the saving actually landing.

🛒

$208/yr

Real example — one grocery item alone, normalised across ALDI/Coles/Woolworths

⛽

4.0c/L gap

Real example — Werribee, just from picking the right station on the day

🍜

$7,020/yr

Delivery alone, at 3 orders/week — before any dine-in spend

Free to join — new accounts start with free credits, on us.

Simple. Fast. Honest.

Cost of Living → AQ → OikosAi

What's squeezing your household, measured by AQ, acted on by OikosAi — the quiz shows you the gap, the app helps you close it.

STEP 01

Answer from real memory — including a few we check twice

Not knowledge questions. Behaviour questions — plus a few asked from two angles, to catch the gap between what you mean to do and what you actually do. Specific recall — hard to self-deceive.

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STEP 02

Get your AQ score out of 1,000 + your AQ band

Your household score. Your band — from Just Starting Out to Accomplished. What households in your band typically have left on the table each year. Specific, honest, and yours alone.

→

STEP 03

Use OikosAi to actually save the money

One tool per category — fuel cycle alerts, grocery comparisons, energy plan monitoring, dining habit tracking. The goal isn't a higher number. It's real dollars staying in your household. AQ just shows you it's working.

This Is OikosAi

Your household's 24/7 economy coach

AQ measures. OikosAi acts. One shows you exactly where your household is leaking money — the other works, module by module, to change the habit and put that money back in your pocket.

Oikos is a real Greek word — the root of "economy" itself, meaning the household and everything needed to run it well. OikosAi exists to manage that: your household's economy, worked on every single day.

Free to join — new accounts start with free credits, on us.

The Backbone Of Every Module

Plan. Enjoy. Track. — the PET method

This is how every module works, underneath the surface. Not a slogan — the actual mechanism that turns a one-off saving into a habit that sticks.

PLAN

The Oikosan does the search

Compares the uncomparable. Gets through the gates retailers put up. Makes sense of thousands of product types and offers. Analyses and offers insight. Sifts through contracts and fine print. Watches for announcements, stays alert, sends the alert on to you.

Some of this is still being built — a few of these benefits are at recipe stage and will be delivered soon.

→

ENJOY

You're the boss. You decide.

OikosAi never decides for you — it hands you what you need to decide easily, then you execute: smart shopping, smart dining (down to the menu and dish level), choosing the energy supplier. Still the dinner out, the full tank, the cover you actually need — just the smarter version of it.

→

TRACK

Upload the receipt. See what you actually saved.

OikosAi follows up with retailers, scans the receipt, and tells the boss — you — exactly how much you saved, or could have saved, every time you shop, dine out, or fill the tank. Not "I think I saved something" — a real number. That's what turns a one-off good decision into muscle memory.

Inside the OikosAi App

The Oikosan works round the clock, so you don't have to

The Oikosan doesn't just research — it uses AI to analyse and apply insight, every day, in many ways, so your busy life can carry on while it does the legwork. It watches for the latest savings opportunities and prepares the RFQs (Requests for Quotes) for you — ready to review, adjust, and send to sellers and providers yourself. Then it follows up, reminds you when a response lands, and nudges you with exactly the information you need at each stage — always with one focus, making the decision easy for you to act on.

This page needs JavaScript enabled to show the module list. Modules: Grocery, Energy, FuelCast, Smart Dining — all inside the OikosAi app. Email oikosai@techaccess.com.au for details.

FuelCast — Beyond "cheapest today"

Knowing the cheapest petrol today isn't enough. Every app does that.

FuelCast uses historical price data to answer the questions that actually save you money:

●When is a better day to fill? Not just today's price — the pattern behind it.
●How far to drive for more savings? Sometimes the cheapest station isn't worth the detour — sometimes it is.
●Is your postcode average better on a 14-day moving average? A single cheap day can be noise — the trend tells the real story.
●Much more — this module keeps growing.

Fuel prices sourced from Servo Saver, a Victorian Government site.

FuelCast — history says Thursday is better

The Oikosan — your household's protector

Meet the Oikosan

The guardian of your household economy

Oikos is a real Greek word — the root of "economy" itself, meaning the household and everything needed to run it well. Oikosan is not a historical title — we made it, deliberately, blending that Greek root with Okaasan, the Japanese word of respect for a mother. A guardian who protects like a household's economy depends on it, and cares for it the way only family does.

Today the threats look different. They arrive as a grocery habit stuck on autopilot. An energy plan nobody has reviewed in three years. A Tuesday fill-up at the most expensive station in the suburb.

"The Oikosan does not hope for a better household economy. They build one — habit by habit."

OikosAi is the modern Oikosan's weapon — phone in one hand, constantly searching to slash costs, sword in the other. Every household protected.

The research behind AQ

The numbers don't lie

Every AQ module is grounded in Australian household data. The dollar figures used on this site are real, sourced, and conservative.

Source: ABS Living Costs & CPI, March 2026 · ACCC media releases · Federal Court of Australia, supermarket pricing matter, May 2026

The discount problem is now a matter of public record

In May 2026, the Federal Court found that a major Australian supermarket chain's advertised discounts were not genuine in the large majority of cases examined — prices had reportedly been raised before being "dropped" back down. A separate, similar matter involving another major chain is ongoing. Regardless of how these matters conclude, it's exactly the kind of "was/is" pricing confusion OikosAi's grocery module is built to see through — normalising prices so a discount ticket isn't the only thing telling you whether it's a genuine deal.

Looking across the broader grocery-app landscape (without naming names — we're not here to throw stones), the consistent gaps are: no shrinkflation detection, no buy-now-vs-wait guidance, no whole-household modules bolted on, and no receipt scanning. That's the gap OikosAi is built to close.

Why It's Different

This is the backbone. Here's what it actually does.

Not a feature list — the underlying commitment, every day, across every module.

🔎

Never stops looking

Every module, every day — scanning for a better price, a better plan, a better deal, on every front at once.

🤖

Uses AI to get past the gates

Confusing plans, shifting prices, fine print designed to be skipped — the Oikosan reads it all so you don't have to.

✅

Checking is only the first step

Comparison alone saves nobody money. OikosAi carries it through — to the decision, and then to the receipt.

🛡️

Independent and loyal to one side — yours

No retailer, no commission, no conflict of interest. Ever.

🍽️

Granular right down to the dish

The Dining module doesn't just log "ate out" — it goes down to individual dishes, so the real pattern is visible.

🛒

Shopping lists that strategise themselves

Automatically split and sequenced across stores to maximise the saving — not just a list of what you need.

💡

Prompts new ways to save, tuned to you

Surfaced in your preference and priority order — not a generic list every household gets.

🚀

This is the beginning, not the finished product

More modules, more depth, more ways to save — always coming.

Compared to what's already out there

Tool	What it gives you	What it can't
Frugl / grocery comparison apps	One-item price checks	No continuous whole-household habit engine
Bank apps (CommBank, Up)	Where money already went	Doesn't tell you where you could have saved — it's after the fact
Google search	Raw prices, unnormalised	No apples-to-apples comparison, no execution or tracking

Privacy Policy

Access Ecom Pty Ltd (ACN 623 346 958) · aq.oikosai.com.au · Last updated: 02 Jul 2026

We built OikosAi to help Australian households — not to profit from their data. This policy is written in plain English.

What we collect

Your postcode and age bracket — to personalise your AQ score and suburb comparison
Your first name and email address — only if you choose to provide them after your quiz
Your AQ score and quiz answers — to generate your result and suburb average
Standard website analytics — page visits, device type, browser (no cookies, no tracking pixels)

What we never do

Sell your data to any third party — ever
Share your data with energy retailers, insurers, grocery chains, or any commercial partner
Use your data for targeted advertising
Share your full name publicly — only your first name and postcode may appear in the live activity feed, and only with your consent
Send you emails without your explicit permission

Broadcast feed

If you provide your first name and postcode during the quiz, your anonymised result (first name + postcode + score) may appear in the live activity feed shown to other website visitors. This is opt-in by default but you can opt out at any time by emailing us.

Email communications

If you provide your email address, we use it only to send your AQ Certificate. We will not send marketing emails without asking you first. You can unsubscribe at any time.

Data storage

Your data is stored securely in Supabase, hosted in Australia. We apply row-level security and encryption at rest. We retain quiz data for 24 months, after which it is anonymised or deleted.

Your rights

Under the Australian Privacy Act 1988, you have the right to access, correct, or delete your personal information at any time. To exercise these rights, email us at oikosai@techaccess.com.au with the subject "Privacy Request."

Contact

Access Ecom Pty Ltd · oikosai@techaccess.com.au · aq.oikosai.com.au

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1 · Overall first impression

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2 · Which section landed best? (pick all that apply)

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How it works

The modules / tools

About OikosAi

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The quiz

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FAQ

3 · Which household type best describes you?

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Single Parent

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4 · After seeing this, would you take the quiz?

Already did it ✅

Yes — want my score

Likely — need more info first

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5 · What would stop you using OikosAi?

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Too many apps already

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6 · Your honest thoughts

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Feedback goes directly to the OikosAi team. Never shared.

Find out what your household habits
are costing you.

The problem is real. Here's what fixing it looks like.

Cost of Living → AQ → OikosAi

Answer from real memory — including a few we check twice