Apps that charge you money if you skip your habits
Three apps let you put real money on a habit: Forfeit, stickK and Beeminder. Here's how they differ.
Forfeit
- Price
- $10.99/month
- If you miss
- You pay the amount you set
- Who checks your proof
- AI, a real person, or your phone's data
stickK
- Price
- Free
- If you miss
- Your money goes to a friend or a charity
- Who checks your proof
- A friend you pick
Beeminder
- Price
- Free for 3 goals, paid from $8/month
- If you miss
- You pay $5, more each time you slip
- Who checks your proof
- Your own data, often synced from apps
Does putting money on a habit work?
stickK found that 78% of people who put money down and had a referee reached their goal, against 35% who put no money down (source: Wikipedia). Losing money hurts more than missing a streak, so you're more likely to show up.
What about habit trackers?
Apps like Habitica, Streaks and Habitify track your habits but never charge you. If tracking alone hasn't worked for you, here's how each compares with Forfeit.
- Habitica alternative with real money on the lineA habit tracker that turns your habits into a game.›
- Streaks alternative with real money on the lineA simple streak tracker for Apple devices.›
- Habitify alternative with real money on the lineA clean habit tracker with good stats.›
- Fabulous alternative with real money on the lineA guided coach for morning and evening routines.›
- Atoms alternative with real money on the lineJames Clear's app for the Atomic Habits method.›
- Loop Habit Tracker alternative with real money on the lineA free, open-source habit tracker for Android.›
Questions
Which habit apps make you lose money if you fail?
Forfeit, stickK and Beeminder. Forfeit checks your proof for you. stickK uses a friend as referee. Beeminder charges more each time you slip.
What if I just want to track habits?
Use a tracker like Habitify, Streaks or Loop. They're simpler and cheaper. Forfeit is for when tracking hasn't been enough.
How does Forfeit work?
Pick a task, a deadline and an amount. Send proof before the deadline, or you're charged. Missed it for a good reason? Appeal, and a person reviews it within 12 hours.
Complete your habits, or lose money.
Set your first goal in under a minute.
Written by the Forfeit team. We've tried to be fair. Checked October 2026, and prices change. Spot a mistake? support@forfeit.app
All product names are trademarks of their owners. Forfeit isn't affiliated with or endorsed by them.