Your AQ — Artha Quotient — scores your household economy out of 1,000. It shows you exactly where money is leaking, in real dollars, and which one habit to fix first to keep more of it.
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 an AccessArtha methodology, not a government or third-party index
100% independent. No commissions from ALDI, Coles, Woolworths, or energy retailers. No retailer pays OikosAi anything, ever. We work only for the household.
AccessArtha runs the quiz. OikosAi is the app. Same team, one mission — this site scores your habits, the app helps you act on them.
AQ measures your household's money habits. OikosAi is the app that turns what AQ finds into real, ongoing savings — the quiz shows you the gap, OikosAi helps you close it.
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.
Your household score. Your band — from Exposed to Oikosan. What households in your band typically have left on the table each year. Specific, honest, and yours alone.
One tool per category — fuel cycle alerts, grocery comparisons, energy plan monitoring, insurance renewal 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 how every module works, underneath the surface. Not a slogan — the actual mechanism that turns a one-off saving into a habit that sticks.
Real prices, real options, normalised so they're actually comparable — not raw numbers you have to make sense of yourself. The legwork is done before you ever have to think about it.
Still the dinner out, the full tank, the cover you actually need — just the smarter version of it. PET was never about deprivation. It's about not paying more than you have to for the life you're already living.
This is the step that matters most. Not "I think I saved something" — a real number, tied to a real purchase. That's what turns a one-off good decision into muscle memory. Track is the single most important input in building the habit that lasts.
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.
Whether you own or rent, have a family or live alone, are 25 or 65 — the same six pressure points are quietly draining your household economy. AQ measures all of them.
Armed with a phone and data, not a sword — but the same instinct to protect the household from waste, inertia, and being taken advantage of.
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 an auto-renewing insurance policy. An energy plan nobody has reviewed in three years. A Tuesday fill-up at the most expensive station in the suburb.
OikosAi is the modern Oikosan's weapon — phone in one hand, constantly searching to slash costs, sword in the other. Every household protected.
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
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.
Same approach as Energy: understand the options, follow up on your behalf, build the full picture before you decide.
In development. Details to follow closer to launch.
Not a feature list — the underlying commitment, every day, across every module.
Every module, every day — scanning for a better price, a better plan, a better deal, on every front at once.
Confusing plans, shifting prices, fine print designed to be skipped — the Oikosan reads it all so you don't have to.
Comparison alone saves nobody money. OikosAi carries it through — to the decision, and then to the receipt.
No retailer, no commission, no conflict of interest. Ever.
The Dining module doesn't just log "ate out" — it goes down to individual dishes, so the real pattern is visible.
Automatically split and sequenced across stores to maximise the saving — not just a list of what you need.
Surfaced in your preference and priority order — not a generic list every household gets.
More modules, more depth, more ways to save — always coming.
| 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 |
The quiz takes 5–7 minutes and is worth the honesty. For every household, at every stage of life. The habits change. The score follows.
Already using OikosAi? Go to the app →
Access Ecom Pty Ltd (ACN 623 346 958) · AccessArtha.com.au · Last updated: 02 Jul 2026
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.
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.
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.
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."
Access Ecom Pty Ltd · oikosai@techaccess.com.au · AccessArtha.com.au
Feedback goes directly to the OikosAi team. Never shared.
AccessArtha · AQ Quiz
