Set a goal. Stake real money on it. Miss your check-in and your card gets charged. No excuses, no refunds.
How it works
Gym, meditation, reading, coding — anything. Set how often you need to show up.
Choose a stake that actually hurts — €5 to €50 per period. Your card stays on file. Miss a check-in and it gets charged.
Check in with a selfie, photo proof, or have a referee verify. No check-in? We charge your card. Simple.
The science
Loss aversion isn't a hack — it's how your brain actually works. We just made it useful.
2×
Pain of losing
Losing €10 hurts twice as much as gaining €10 feels good. We use that.
3×
More likely to succeed
People with real money on the line are 3× more likely to hit their goals.
91%
Follow-through rate
Add financial stakes + external accountability and almost everyone delivers.
€0
Cost when you show up
You only pay when you fail. Do the thing and it costs you nothing.
No cheating
Invite someone who won't let you lie to yourself. Your friend, coach, or partner verifies your check-ins with one click — no account needed. Knowing someone is watching changes everything.
Pics or it didn't happen. Upload evidence for each check-in. No photo, no credit.
Daily, weekly, or monthly. Fixed duration, custom range, or keep it rolling until you quit.
Watch your streak grow. Every consecutive day you show up makes the next one harder to break.
Stripe handles your card. PCI Level 1 certified. We never see your card number.
No journals. No tracking spreadsheets. No 15-step habit app. Open Pledgr, hit check-in, get on with your day. The less time you spend in the app, the better.
Real stakes
Gym 3×/week
€10/period · 30 days
Meditate daily
€5/period · Rolling
Read 5×/week
€5/period · 90 days
Practice guitar 3×/week
€10/period · 60 days
No smoking
€20/period · Rolling
Run 4×/week
€15/period · 30 days
FAQ
Yes. That's the whole point. You set a stake, and if you don't hit your target for the period, your card gets charged. No warnings, no grace period. That fear is what makes it work.
You can cancel anytime, but it takes effect at the end of your current period. You can't cancel five minutes before a deadline to dodge a charge. Nice try though.
Three ways: self-report (honor system), photo proof (upload evidence), or referee verification (invite someone who won't let you lie). Pick the one that keeps you honest.
Stripe handles everything — same infrastructure as Amazon, Google, and Shopify. PCI Level 1 certified. We never see or store your card number.
We retry up to 3 times over 3 days. If it still fails, your goal pauses and we notify you. We're not going to let you accidentally dodge a charge.
To Pledgr. We're not a charity — we're your financial consequence. But here's the thing: most users never get charged. The threat of losing money is usually enough.
That's the problem. You've been “thinking about it” for months. Put something real on the line and actually do it this time.
Make your first pledge