How to play

1. You start a new job with ₹50,000 a month take-home and ₹20,000 in savings.
2. Pick your lifestyle in five areas: housing, food, transport, fun and shopping, and health insurance. ₹3,000 for bills and phone is added automatically.
3. The tool shows your monthly spending and what is left to save. If you overspend, the gap goes on a credit card.
4. Play 6 months. Each month brings one surprise and you choose how to respond. Surprises include a trip invite, a cracked phone screen, a festival bonus, a hospital bill, a big sale and a raise.
5. At the end you see your net worth (savings minus debt), your rank and lessons from your choices.

How the game counts money

Each month, your leftover pay is added to savings. Savings grow a little and card debt grows about 3% a month. These are simple game assumptions to show how debt can grow faster than savings.

What you’ll learn

• Fixed costs like rent, food and vehicle EMIs decide how much you can save every month.
• Health insurance can turn a ₹45,000 hospital bill into a much smaller one.
• Sales and “no-cost EMI” offers still create debt.
• Saving a raise instead of spending it is one of the easiest ways to get ahead.

Tips for a higher score

• Keep at least 20% of pay left to save in your setup.
• Choose the health insurance option.
• Pick the cheaper option when a want comes up; skip it if you can.
• Ranks: Budget Boss at ₹1,70,000 or more, Smart Saver at ₹1,10,000 or more, Getting There at zero or more.

Questions people ask

Is it free and sign-up free?

Yes. Just pick your lifestyle and play.

Are the numbers real?

They are realistic examples, not real prices or rates. The aim is to show how choices add up.

Can families play together?

Yes. It works well for teenagers and young earners. Then check real habits with the Financial Health Score.

This content is for general education only and is not financial, investment, tax or legal advice. Please consult a qualified professional before making financial decisions.