FineMe Habit Accountability LogoSet Your First Stake
Hardcore Mode · 2026

The Habit App
With Consequences.

Stake money on your goal. Hit it, get every dollar back. Fail, and your fine is split between charity and FineMe.

Set Your First Stake

FineMe · Stake SlipACTIVE

Wake Up Before
7:00 AM

Stake
$50
Mode:
Hardcore
Verification:
Apple Health
Charity:
charity: water
Deadline:
Tomorrow · 7:00 AM
❦No alarms snoozed.❦
Receipt ID: FINEME-7AM01
Step One

Choose Your Challenge.

Six ways to put real money on the line. Pick the one you've been lying to yourself about.

Steps

Walk every day, or pay.

Set a daily step goal and connect Apple Health, Google Fit, or your wearable. FineMe verifies your count automatically. Miss the goal and the fine is processed instantly. SET YOUR STAKE →

Sleep

Get to bed on time.

Commit to a bedtime or minimum hours. FineMe pulls verified sleep data from Apple Health, Oura, WHOOP, or Garmin. Cut corners and your stake pays the price. SET YOUR STAKE →

Exercise

Move daily. No skipped days.

Choose workouts or active minutes. FineMe verifies via Apple Health, Strava, or gym check-ins. Skip a session and the fine is split between charity and FineMe. SET YOUR STAKE →

Screen Time

Stop doomscrolling.

Set daily limits and let FineMe monitor via iOS Screen Time or Android Digital Wellbeing. Exceed your cap and the fine is processed automatically. SET YOUR STAKE →

Alcohol-Free

Stay dry, on the line.

Commit to an alcohol-free streak. Use daily photo check-ins with timestamped pledges. Break the streak and your stake is forfeited to charity and FineMe. SET YOUR STAKE →

Nicotine-Free

Quit the habit for good.

Track nicotine-free days with verified check-ins. Set your quit date and stake your commitment. Each slip-up costs more than just your health. SET YOUR STAKE →
Step Two

Set the Stakes.

Pick the amount. Pick the rules. Pick the charity. Then make it real.

Your Wager

Pick the amount.

Anywhere from a few bucks to a few hundred. Make it hurt just enough.

If you succeed

Every dollar back.

Hit your goal and your stake returns to you in full. No fees. No catch.

If you fail

Split 50 / 50.

Half to your chosen charity. Half to FineMe. Either way, the money leaves.

Step Three

Proof, Not Promises.

Every challenge is verified. FineMe pulls from Apple Health, Screen Time, your wearables, or timestamped check-ins, depending on the goal. You can't fake your way to getting your money back.

If the data says you missed, the fine is processed automatically. No "the dog ate my run."

Verification LogVerified
  • Apple Health
    Steps, workouts, sleep, mindful minutes.
  • Screen Time
    iOS Screen Time and Android Digital Wellbeing.
  • Wearables
    Oura, WHOOP, Fitbit, Garmin.
  • Daily Check-In
    Photo, timestamp, and signed pledge.
Goal · 10,000 steps10,412 / 10,000
Questions

FineMe, Answered.

What is FineMe?

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FineMe is a habit accountability app that turns your goals into real financial commitments. You stake money on a habit — steps, sleep, exercise, wake-up time, screen time and more — and only get it back if you follow through.

How does FineMe work?

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Pick a challenge, set a stake, and connect a verification source like Apple Health or Screen Time. Complete the challenge and your money is returned in full. Fail, and the fine is split between a charity you chose and FineMe.

Do I get my money back if I complete my challenge?

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Yes. If verified data shows you hit your goal, every dollar of your stake is returned to you — no fees, no catch.

What habits can I track with FineMe?

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FineMe supports steps, sleep, exercise, wake-up time, screen time, alcohol-free streaks, and nicotine-free streaks, with more habit categories on the way.

How does FineMe verify challenges?

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FineMe pulls verified data from Apple Health, iOS Screen Time, Android Digital Wellbeing, and wearables like Oura, WHOOP, Fitbit, and Garmin. Some challenges also use timestamped check-ins.

Is FineMe a habit tracker?

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FineMe is a money-based habit tracker and commitment device. Unlike a normal habit tracker, it uses real financial stakes to make skipping a day actually cost you.

Why does staking money help people stick to habits?

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Behavioral research on commitment devices shows that people follow through far more consistently when failure has an immediate, tangible cost. Losing money hurts more than losing a streak.

What happens if I fail a challenge?

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If the data confirms you missed your goal, your stake is automatically processed. Half goes to the charity you chose when setting the stake, and half goes to FineMe.

Final Notice

Stop Making Promises.
Start Making Stakes.

FineMe is for people who are done failing for free

Set Your First Stake

Willpower is cheap. Stakes are not.