Build habits that actually stick.
Make It or Pay is the accountability app that puts real stakes behind your habits. Set a goal, decide what missing it costs, and follow through.
Coming soon Free to download · iOS & Android
Progress
Workout
18
kept
3
missed
June 2026
Habitudes
At stake today
€4.00
Workout
3×/week · €2.00
Reading
Daily · €1.00
Drink water
Goal 8 · €1.00
Hi Léa
Fines this month · June
€3.20
Today's habits
Workout
3×/week · €2.00
Reading
Daily · €1.00
Drink water
Goal 8 · €1.00
To-do
File my taxes
Today 6pm · €2.00Call the dentist
Tomorrow · €1.00Pay rent
Done · €1.50Four simple steps
A clear commitment device: you bet on yourself, and a real stake turns intention into action.
Set your habits
Choose the habits you want to keep and their frequency: exercise three times a week, read daily, less screen time. You set the rule.
Set the stakes
Choose the amount charged for each miss. Enough to matter, never more than you decide.
Track daily
Check off your habits each day. A habit not completed by its deadline counts as missed. The rules are clear up front.
Miss it, it costs
Every miss triggers a real charge. Commitment stops being a good intention — it carries a cost, and that's what makes it work.
Motivation that lasts
Badges and streaks fade. A real stake doesn't.
A real financial stake
Not just points and virtual rewards. Real money committed — so your decision carries genuine weight.
Commitment that drives action
A concrete cost creates a motivation no reminder can. It's exactly what helps you act at the right moment.
Built for those other apps have lost
Tried several tracking apps and never stuck? They were missing a stake. Make It or Pay adds the variable that changes everything.
Clear, focused tracking
A clean app, no clutter. Your habits, your stake, your history — you see exactly where your commitment stands.
Join the people who follow through
Early feedback is coming in. This section will soon hold reviews and store ratings.
Reserved slot for a user testimonial. To be filled after launch.
Reserved slot for a user testimonial. To be filled after launch.
Reserved slot for a user testimonial. To be filled after launch.
Frequently asked questions
What to know before you commit an amount to your habits.
How does the charge work?
You add a secure payment method during setup. When a habit counts as missed, the amount you set is charged automatically. You stay in control of the amounts and see every transaction in your history.
What happens if I miss a habit?
A habit not completed by its deadline counts as missed, and its amount is charged. That's the point: the stakes are real. You can adjust your habits and amounts anytime to stay in a range that motivates you without hurting you.
Where does the money go?
For now, the amounts are collected by Make It or Pay. We're exploring options to let you redirect them in the future (a recoverable pot, a donation to charity, or sending it to a friend). Details will be confirmed soon.
Can I pause my habits?
Yes. Life isn't linear: you can pause a habit (vacation, injury, the unexpected) to avoid an unfair charge. Pausing takes seconds, right inside the app.
Which devices is the app on?
Make It or Pay is available on iOS via the App Store and on Android via the Google Play Store. Your habits and history sync across your account.
Is it secure?
Payments are handled by trusted providers, and your banking details are never stored in plain text by the app. The security and privacy of your data are a priority — see our privacy policy.
Commit, for real.
Download Make It or Pay and turn good intentions into real commitment.
Coming soon Free to download · iOS & Android