RichHabits: Money Challenges
Saving Goals & Habit Tracker
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New: 30-day money challenges like No-spend weekends and Coffee at home, a widget with today's habits, and friends to keep you on track.
Could you skip takeout for 30 days? RichHabits turns saving money into a game: 30-day money challenges, daily money habits, streaks and a level map.
New in 1.7
- Mood-aware check-ins: gentle for Rough/Low, brighter for Good/Great
- 30-day money challenges like No-spend weekends and Coffee at home
- Home and lock screen widget with your streak and today's habits
- Friends: weekly leaderboard, nudges and invite codes (you both get 7 days of Premium)
- Premium in any Luna app unlocks all six Luna apps with the same sign-in
Check In With One Gesture
Hold a habit or swipe it to mark it done, with haptics, an undo option and confetti on milestones. Each habit's streak flame grows as your streak gets longer.
Your Wealth Journey
Earn XP from real actions: completed habits, money challenges, lessons and weekly reviews. Climb 12 journey stages from Starter to Wealth Builder, unlock badges and finish weekly quests. Everything is calculated from what you actually logged.
Daily Money Challenge
Get one small, practical money challenge each day, such as a no-spend day, a round-up save or a subscription review. Each one explains why it works and cites its source. Log what you saved and see your total.
Energy and Spending-Urge Check-In
Rate your energy and spending urge in seconds, tag what triggered it and get a coping tip. Over time RichHabits shows how your habits hold up on high-urge days.
Plans That Fit Your Life
- Schedules: every day, chosen weekdays or N times per week
- If-then plans and habit stacking ("After I pour my coffee, I will...")
- Per-habit reminders
- Streak freezes earned by consistency, so one missed day doesn't erase your progress
- A 26-week consistency heatmap
Routines
Build habit stacks, drag to reorder them, then run a routine step by step.
Weekly Review
See your scorecard against last week, answer a rotating money question and turn obstacles into if-then plans.
Wealth Toolkit
- Short lessons on saving, emergency funds, budgeting, debt and investing, each with a credible source
- A micro-quiz after every lesson
- Money scenarios ("You got a $1,000 bonus. What do you do?") with feedback
- Future You: drag sliders for savings, return and time to see a live projection and time to your goal
- Calculators for savings rate, emergency fund, compound growth and debt payoff (avalanche vs. snowball)
Goals With Progress Rings
Log contributions toward amount goals and watch the ring fill, with this month's total, your monthly average and an estimated time to target.
Wealth Routines and Guided Rituals
Add curated habit stacks with one tap, including the Financial Foundations pack (pay yourself first, emergency fund deposits, extra debt payments, spending tracking). Rich-habit rituals open guided logging flows for net-worth reviews, expense audits, weekly wealth reviews and more.
Insights and Mood
Monthly calendar, Monthly Rate circle, streaks, routine momentum charts and 7-day mood trends next to your habit data.
Friends and Accountability
Connect with friends using Friend IDs and invite anyone with one tap.
Your Data, Your Choice
Delete your account and data from the Account tab at any time.
RichHabits Premium
Upgrade to Premium for unlimited habits and goals, advanced streak insights and your full progress history. Monthly or annual subscription.
RichHabits is for education and habit tracking only. It does not provide financial, investment or tax advice. Projections are illustrations based on your inputs, not predictions.
Start building routines that compound.
Subscription automatically renews unless canceled at least 24 hours before the end of the current period. Payment is charged to your Apple ID account at confirmation of purchase. You can manage and cancel subscriptions in your App Store account settings.
Privacy Policy: https://lunawishlist.com/privacy-policy/
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- Mood check-ins now match your feeling: gentle feedback for Rough and Low, a simple acknowledgment for Okay, and brighter animations for Good and Great
- Respects reduced-motion settings
- Fixed Invite Friends sharing, including on iPad
The developer, Luna Wishlist, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
- Diagnostics
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- User Content
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Luna Wishlist LLC
- Size
- 62.2 MB
- Category
- Productivity
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - iPad
Requires iPadOS 16.0 or later. - Mac
Requires macOS 13.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- RichHabits Premium Monthly $1.99
- RichHabits Premium Annual $13.99
- Copyright
- © Luna Wishlist LLC