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Habit Tracker with Charity Stakes

Problem

Pro

Habit tracking apps fail because skipping a day carries no real cost. Users snooze reminders, reset streaks, and abandon the app within two weeks. Negative consequences are 2.5× more motivating than positive rewards for behaviour change — yet every major habit app relies exclusively on streaks and badges. The result: the apps that are supposed to build discipline actively train you to ignore them.

Target User

Pro

Solo developers and knowledge workers who have downloaded and abandoned at least one habit tracking app in the past year and want a tool that enforces follow-through with actual financial stakes.

Stack & Technical Choices

Context

appType: Web Appstage: MVP

Frontend

Next.jsTailwind CSS

Database & Auth

Supabase

Payments

Stripe

Features (Max 5)

Pro
P0

Habit Setup & Stakes

User creates one active habit with a name, daily target time, penalty amount ($1–$20), and selects a charity from a curated list of ~20 options. The setup flow requires attaching a Stripe payment method before activation. The charity name is displayed prominently on the habit card as a daily motivational prompt.

Acceptance

User can create a habit and set a $1–$20 penalty in under 2 minutes. Stripe payment method must be attached before the habit activates — attempting to skip shows a blocking error. The selected charity name is visible on the habit card at all times.

P0

Daily Check-In & Midnight Charge

Each day at midnight (user timezone), unchecked habits trigger a Stripe charge for the penalty amount. Users can check in any time before midnight. A confirmation email is sent on every charge with the charity name, amount, and a dispute link for technical errors.

Acceptance

Missed habits trigger a Stripe charge within 5 minutes of the midnight deadline. Check-ins submitted before midnight prevent the charge with zero false positives across 50 simulated cycles. Confirmation email arrives within 60 seconds of charge completion.

P1

Streak & Donation Dashboard

User sees their current streak, total donated against their will, and a full history of check-ins and misses. The total donated counter is shown prominently as a mild shame mechanism that reinforces the daily habit. Data is read directly from Supabase.

Acceptance

Dashboard loads in under 1 second from Supabase. Streak resets correctly on a missed day verified by automated test with mocked midnight triggers. Total donated counter updates within 30 seconds of a charge completing via Stripe webhook.

Build Order

Build order

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Suggested File Structure

File structure

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Architecture Diagram

Architecture diagram

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Expected Schema

Database schema

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Out of Scope

Pro
  • ×Social features or friend accountability
  • ×Multiple habits per user — one active habit per account for MVP
  • ×Charity payout processing — funds held until manual quarterly disbursement
  • ×Mobile app — web only for MVP
  • ×Custom charity entry — curated list of 20 only

Success Metrics

Pro
  • 40% of users who activate a habit complete it for 30 consecutive days
  • Churn rate under 15% in the first month after a user's first charge
  • Average penalty amount selected is $5 or higher, indicating genuine stakes
  • Stripe dispute rate under 1% of total charges processed

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