Back to Guides
Basics

Money, Banking, and Taxes

Wallet cash, bank balance, bank interest, payday, tax, treasury, ATMs, and death cash.

Guide 40newUpdated 2026-04-28

Quick Start

  • Your wallet is spending cash.
  • Your bank is safer long-term money.
  • A $100,000 bank balance earns at least about $5,000 per hour before banking skill bonuses.
  • Payday pays your job salary on a server timer.
  • City tax comes out of salaries and many shop or sell flows.
  • Use /dropmoney amount to drop wallet cash into the world.

Details

  • The Mayor can set the city tax rate within server limits.
  • Tax goes into the City Treasury for grants, lottery behavior, and civic systems.
  • Shop purchases usually charge the full listed price and route the tax portion to treasury.
  • Many NPC sell paths pay you net income after tax.
  • Bank interest pays on a timer when your balance is above the minimum interest threshold.
  • The Citizen Errand Runner skill can improve bank interest payouts and finance XP.
  • Bank-related notices use the same "money landed" feedback style.
  • Death can drop wallet cash, especially when carrying a large balance.

Gotchas

  • Do not carry more wallet money than you need.
  • Refund paths should return full gross if a purchase fails.
  • Tip jars, doors, and some special flows can be tax-exempt.
  • Arrested players can miss salary cycles.