Products How It Works Reviews FAQ About

Save smarter.
Build real wealth.

Trusted by 5,000+ users, yrkolo bridges the gap between saving and wealth creation by helping you develop financial discipline, understand your money, and build habits that last.

5,000+
Active savers
5
Savings plans
98%
On-time payouts
Three people enjoying the yrkolo savings app together
5,000+
active savers
★★★★★ 4.9/5
yrkolo
5 Plans
for every goal
Savings Products

Savings plans built for your journey.

Whether you're building your first savings habit, working towards a big goal, or looking to grow your money, yrkolo has a plan designed for your journey.

Flexible Savings
mykolo

Save at your own pace and withdraw on any work day. No waiting periods, no stress. Start with as little as ₦1,000.

Withdraw anytime on work days
Learn more
mykolo flexible savings
Goal-Based Savings
kolofocus

Set a target, pick a deadline, and save towards it consistently. Withdrawals are locked until you hit 70% of your goal.

Locked until 70% reached
Learn more
kolofocus goal savings
Fixed-Term Savings
kolopay

Lock your money away for 6 or 12 months and earn interest at maturity. Minimum ₦200,000. No early exit.

5% / 6 months  ·  10% / 12 months
Learn more
kolopay fixed-term savings
Group Savings (Ajo)
kollabo

A community driven group savings plan, similar to the traditional ajo or esusu. Up to 10 members, weekly or monthly cycles, payout in rotation.

10 members max  ·  Kollabo Manager-assigned rotation
Learn more
kollabo group savings
Seasonal Food Savings
FoodBox

Save towards quality festive foodstuffs and livestock. Choose a box tier, pay over 10 months, and receive delivery in the first week of December.

Basic ₦100k  ·  Family ₦200k  ·  Premium ₦500k
Learn more
FoodBox grocery selection
Simple Process

Start saving in three steps.

From signup to your first deposit, the whole thing takes less than five minutes.

01
Create your account

Sign up with your name, email, and phone. Provide your basic details securely. Encrypted, verified, done forever.

~3 minutes
02
Pick your plan

Choose kolofocus, kollabo, kolopay, mykolo, or FoodBox. Most members run 2 to 3 plans at once, mixing and matching freely.

Choose in seconds
03
Save & grow

Fund instantly via Paystack or Flutterwave. Set auto-contributions so saving happens without you thinking about it.

First deposit in 60s

The Wealth
Blueprint

A structured financial ecosystem designed to move you from simply earning to building real, lasting wealth. Not motivation. A guided system.

📚
Financial EducationBuild your money knowledge
⚙️
Money SystemsStructure around your savings
🎯
OpportunitiesPathways for expansion
🤝
CommunityAccountability & connection
Awareness Experience Discipline Growth Access
Learn More
Your blueprint starts here · Learn it, Build it, Live it
Member Stories

Stories that speak for themselves.

Real people. Real savings. Real results.

I’ve used kolofocus for my rent savings for 8 months. The goal tracker keeps me honest. I can see exactly how close I am every week.

FO
Femi Okonkwo
Lagos, Nigeria
kolofocus

Our office runs a kollabo group, 12 of us, ₦20,000 monthly each. It’s the cleanest ajo I’ve ever run. No drama, no missed payments.

AK
Adaeze Kelechi
Abuja, Nigeria
kollabo

kolopay is brilliant. I locked ₦500k for 12 months and couldn’t touch it. That discipline is exactly what I needed. At maturity I earned my 10% returns, every naira I planned for.

TI
Taiwo Ige
Port Harcourt, Nigeria
kolopay

I started mykolo with just ₦5,000 a week. 6 months later I had enough to pay my daughter’s school fees without touching my salary. I did not believe it would work this fast.

CO
Chiamaka Obi
Enugu, Nigeria
mykolo

FoodBox changed how my family eats. We used to spend random money on food every week and still run out. Now we plan, we budget, and we actually eat better. The savings are real.

RA
Rotimi Adeleke
Ibadan, Nigeria
FoodBox

The Wealth Blueprint gave me a framework, not just motivation. I now understand how money actually moves. Within 3 months I had cleared a debt I had been avoiding for 2 years.

BN
Blessing Nwosu
Lagos, Nigeria
The Wealth Blueprint
Questions

Everything you need to know.

Still curious? Reach our support team any day of the week.

Yes. yrkolo is built with your safety in mind. Your personal information is never shared with third parties and your savings are handled with strict internal controls. We take trust seriously and are committed to responsible, transparent operations.
There are no joining fees and no minimum barrier to entry. Create an account, pick a plan, and make your first deposit whenever you’re ready.
It depends on the plan. mykolo lets you access funds when needed. kolofocus lets you save at your own pace toward your goal. kolopay is locked until maturity by design, and that discipline is exactly what earns you the 5% or 10% return.
kollabo is digital ajo/esusu. You join a group of up to 10 members, everyone contributes the same amount on a weekly or monthly schedule, and each member receives the full pool in rotation. The payout order is set by the Kollabo Manager.
Fund instantly with your debit card or a bank transfer through Paystack or Flutterwave. You can also set up automatic contributions so your savings grow on autopilot.

Ready to start saving?

Join 5,000+ savers building financial discipline and growing their wealth, one deposit at a time.

No hidden fees
Transparent & trusted
Get started today