# RichHabits: Money Challenges — Saving Goals & Habit Tracker

> Daily habit tracker for finance, health, mindset, and productivity. (iPhone/iPad app by Luna Wishlist.)

- Source: https://appshunter.io/ios/app/richhabits-money-challenges/id6479948352 (this page in markdown: same URL + `.md`)
- Developer: [Luna Wishlist](https://appshunter.io/developer/1737626706)
- Category: Productivity, Lifestyle
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 16.0 · 59 MB
- Languages: American English
- Released: 2024-05-13
- Data updated: 2026-10-24
- Monetization: ad-supported

## What is RichHabits?

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/

## Key features

- Personalized habit tracking
- Finance, health, mindset, productivity categories
- Daily mood check-ins
- Progress visualization with streaks
- 7-day mood trends
- Home screen widgets

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| RichHabits Premium Annual | $13.99 | per year |
| RichHabits Premium Monthly | $1.99 | per month |


## Is RichHabits safe?

Not enough ratings yet to assess RichHabits.

## Is RichHabits legit?

RichHabits: Money Challenges appears to be a legitimate app. The AppsHunter Legitimacy Score for RichHabits is 85 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about RichHabits

### What is RichHabits?

RichHabits is an educational app designed to help users build and track powerful daily habits that contribute to wealth and success. It covers areas like finance, health, mindset, and productivity, guiding users toward personal growth.

### How does RichHabits track progress?

RichHabits uses an 'Insights' tab to display streaks, completion rates, and long-term habit data. It also shows 7-day mood trends alongside habit data, allowing users to see how their routines impact their well-being.

### Can I track my mood with RichHabits?

Yes, RichHabits includes a quick emoji check-in on the Habits tab. This data is then correlated with habit completion in the Insights tab to show mood trends.

### What devices does RichHabits support?

RichHabits is available on iPhone, iPad, and iPod. It also offers a home screen widget for at-a-glance tracking.

### Does RichHabits have ads?

Yes, RichHabits contains advertisements. Users can opt for RichHabits Premium for an ad-free experience.

### What is the learning methodology of RichHabits?

The app's methodology focuses on building consistent daily actions across key life areas. It emphasizes compounding effects, where small daily efforts lead to significant long-term changes, supported by data visualization.

### How often is RichHabits updated?

The latest version of RichHabits is 1.4.3, last updated on May 27, 2026. This indicates a recent update, suggesting ongoing development and support for the application.

### What are the benefits of using RichHabits for education?

RichHabits supports education by fostering discipline and self-awareness, crucial for learning. By tracking habits related to study, reading, and goal planning, users can improve their educational outcomes and personal development.

## Version history (last 5 releases)

### 1.7.1 — 2026-10-20

- 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

### 1.6.0 — 2026-10-15

- Hold or swipe to complete habits, with haptics, confetti and a growing streak flame
- Wealth journey: XP, levels, badges and weekly quests from your real activity
- Daily money challenge plus an energy and spending-urge check-in
- Lesson quizzes, money scenarios and a Future You projection
- Flexible schedules, if-then plans, reminders, streak freezes and a heatmap
- Routines, weekly review prompts, goal contributions and a heatmap

### 1.5.3 — 2026-09-28

- Home-screen widget now updates every time you log a habit
- App Review prompts now appear at the right moment after logging habits
- Invite friends directly from the Friends section with a share link
- "More from Luna" card in Account to discover other apps in the portfolio
- Performance and stability improvements

### 1.5.2 — 2026-09-12

- Added a small in-app update notice on the first page when a new version is available
- Improved update-link reliability with safer fallback behavior
- Performance and stability improvements

### 1.5.1 — 2026-08-17

- New celebrations when feelings or habits are logged and when habits or routines are added
- Faster startup and smoother navigation without unnecessary loading interruptions

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*