Put your money where your mouth is

KEEP YOUR
WORD.
OR PAY.

Sworn is the financial accountability system for people who are serious. Set a commitment. Put money on the line. Do it — or get charged. No excuses. No refunds.

Create free account →See how it works
$847,230 collected this month
12,041 active commitments
73% completion rate
$0 in refunds — ever
How it works

THREE STEPS.
NO BULLSHIT.

01
📌

Name your commitment

Create a specific, measurable task or habit. "Run 3 miles before 8am" or "Complete 50 pushups by 11:59pm." Clear terms, no grey area.

02
💰

Set your stakes

Choose how much you pay if you fail. $5. $50. $500. The pain needs to be real. Connect your card — charges are automatic and instant.

03
✓

Do it or pay up

Check in before the deadline. If you miss it, your card is charged immediately. No grace period. No appeals. No refunds.

Why it works

LOSS AVERSION
IS REAL.

Humans feel the pain of losing money 2× more than the joy of gaining it. Sworn turns that psychology into your most powerful motivation tool.

→

Automatic enforcement

No honor system. Your card is charged automatically when the clock hits zero and you haven't checked in.

→

Smart reminders

We remind you at your chosen intervals — morning, midday, 1 hour before, 15 minutes before. Then the deadline hits.

→

Your history tells the truth

Your dashboard shows exactly what consistency has cost you. No hiding from the data.

// commitment.json
{
  "goal": "50 pushups daily",
  "deadline": "11:59 PM",
  "stake": $25.00,
  "refunds": false,
  "excuses": 0
}

⚠ DEADLINE PASSED — CHARGING $25.00
status: CHARGED
refund_eligible: NEVER
⚠

ZERO REFUND POLICY

If you miss a commitment, your card is charged and that money is gone. There are no exceptions, appeals, or grace periods. This is not a bug — it's the entire point. When you create a commitment on Sworn, you agree to these terms unconditionally. If you're not ready for real stakes, this is not the right tool for you.

READY TO KEEP
YOUR WORD?

Create your free account →