A free, real-time financial life simulator where every decision is educational.
Pick your birthday. Start at age 18 with $0. Earn income, invest, build credit, take out a mortgage, run a business, and pay real bills. Watch decades of decisions compound, all in a safe sandbox.
no dice, no cards. real time, real decisions.
Enter your birth date. You spawn on your 18th birthday with $0 in Checking and a clean credit slate. One life, one save. It lives in your browser.
Time flows automatically. 3 seconds equals 1 in-game day. Tap the hourglass to play or pause anytime. Paychecks drop every 14 days. Bills hit monthly. Markets tick every day.
Watch your simulated net worth climb through tier ranks as your decisions compound. Tiers are fictional progression markers in the game, not predictions or projections of real-world wealth.
every system talks to every other.
The IRS, in your pocket.
File your taxes every April. The game uses real federal brackets, FICA, and capital gains rules.
here's what playing actually looks like.
six modules, bite-sized, actually useful.
we swear it's really free.
Yes. No microtransactions, no paywall, no signup required. The lesson is the product.
No. Just enter your birthday and play. Optional Google Sign-In backs up your save to the cloud.
Time runs at 3 seconds = 1 day by default. Tap the hourglass to pause whenever you want. Play for 10 minutes or 10 hours.
Modeled on real US rates, taxes, and markets. Simplified for pace, but directionally true.
Rank never goes away, but expenses will skip if you're broke and loans will compound. You can spend a whole life stuck at Starter.
Designed for adults learning personal finance. The simulation contains no gambling, no real-money mechanics, and no in-app purchases. It is an educational tool only and is not financial advice.