Save on schedule, every single month
Each deposit is a dot. Miss one and the penalty reminds you why you started.
Available in the US, Canada, UK and Europe. Updated .
Short answer
Saving money is simple on paper and hard in practice. Without a schedule, savings get pushed to next month.
- Weekly or monthly saving dots
- Clear deadline
- Supportive community
Saving money is simple on paper and hard in practice. Without a schedule, savings get pushed to next month. A clear deposit schedule with real accountability makes saving a habit instead of an intention.
Remindeeu turns each deposit into a dot with a reminder before payday. Miss a deposit and your penalty grows, a small cost that reminds you why you started. Your future self message arrives on the day you planned to reach your target.
Who it is for
- People building an emergency fund
- Anyone saving for rent, school fees or travel
- Couples saving toward a shared goal
- Freelancers with irregular income
How it works
- Write your goal, promise and future self message
- Add dotting milestones and stake from $5
- Dot every milestone or watch the penalty grow
What you get
Stake from $5
Choose an amount that matters to you.
Your penalty, your rule
At least $2 per default, or more if you want.
Fair resets
After the third default the counter goes back to $0.
Dot reminders
Notified an hour before each milestone.
Future self message
Delivered to your inbox on deadline day.
Stakers community
Group chat plus private messages.
Why it works
- People work harder to avoid a loss than to earn a reward.
- Precommitting removes the daily decision to skip.
- Dated milestones turn a big goal into small, checkable steps.
Tips to get the most from it
- Time each dot for the day after payday
- Automate the transfer where your bank allows it
- Start with an amount you can keep for three months
- Increase deposits as soon as the habit feels normal
How Remindeeu compares
| Remindeeu | Graph based apps | Habit trackers | |
|---|---|---|---|
| Money at stake | Yes | Yes | No |
| Setup effort | Minutes | Ongoing data entry | Minutes |
| Penalty resets | After third default | Varies | Not applicable |
| Community | Group chat | Forum | Rarely |
Frequently asked questions
What is a savings challenge?
A savings challenge is a set schedule of deposits toward a target, such as a weekly amount for a year. Turning each deposit into a dated milestone makes it much harder to skip quietly.
How much should I save each month?
A widely used guideline is the 50/30/20 rule, which puts about 20 percent of take home pay toward savings and debt. Start with an amount you can keep for three months, then increase it.
What is a commitment contract?
A commitment contract is an agreement with yourself, backed by a consequence if you do not follow through, usually money. Economists call it a commitment device. Remindeeu stake goals are commitment contracts with dated milestones called dots.
Do commitment contracts actually work?
Research suggests they can. In a 2008 JAMA study by Volpp and colleagues, people using a deposit contract lost about 14 pounds in 16 weeks versus about 4 pounds in the control group. Effects can fade after stakes end, so set milestones that last as long as the habit needs.
How much do I need to stake?
The minimum stake is $5. Each missed dot adds at least $2 to your penalty, and you can set a bigger amount per default if you want more pressure.
What happens when I miss a check in?
Your penalty grows by your chosen amount each default. On the third default the total goes to Mr. Remindeeu, the counter resets to $0 and the cycle continues. You get a 12 hour grace period after each due time.
Is this like a betting app?
No. You are not betting against anyone or trying to win money. You choose a penalty for yourself in advance, and you avoid it entirely by doing what you promised.
Can I cheat by dotting without doing it?
Technically yes, which is why stakes work best for goals you truly want. Honest dotting is part of the commitment. If you want outside confirmation, add an accountability partner whose calls are dotted by both of you.
What goals work best with stakes?
Goals with clear, checkable milestones: reading plans, workout days, savings deposits, study sessions, quitting a habit and writing targets. Vague goals such as being happier are hard to dot honestly.
What is the future self message?
When you create a stake goal you write a message to your future self. Remindeeu emails it to you on your deadline, as a reminder of why you started.
Can I pause a stake goal?
Yes, for 1 to 7 days. Your upcoming dots move forward by the same number of days, so pausing never creates defaults.
Do you accept cards from my country?
Yes. Payments are processed by Bachs, which accepts cards issued in every country, including the US, Canada, the UK and all of Europe. Prices are shown in US dollars and your bank converts the amount if your card uses another currency.
Related
- Put money on your goal and watch yourself follow through
- A Beeminder alternative you can set up in two minutes
- Commitment contracts with reminders that actually reach you
- Finish the Bible this year, one dot at a time
- Make your next cigarette cost you
- Show up for every workout or pay for skipping