💹 FINCITY

Learn Finance
through Experience.

Courses and college teach you formulas and theoretical concepts that are hard to understand. No interactive learning. So when you step into the real market, you don't know what to do. There's a massive gap between learning and real-life implementation. FinCity fills that gap and teaches you the real workflows, actual decisions, the things no textbook covers. Learn by doing, before it counts.

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Runs in browser · No download · No account needed

0
Tradeable Assets
0
Job Tiers
0
Market Events
650
Starting Credit Score
The problem

Knowledge ≠ skill.

You can watch 100 hours of finance content and still freeze the first time you walk into a bank. FinCity teaches the other 80%. The actual workflows. The decisions textbooks skip.

❌ Courses, textbooks, YouTube

Knowledge without workflow.

📖"A savings account earns interest." Which one? When? How do you open it?
📺"Diversify your portfolio." Fine advice. Zero practice doing it.
🎓"Credit scores matter." Nobody shows you what happens when you apply with a 542.
😐You pass the test. You freeze in real life.
✅ FinCity

Skill through doing.

🏦You open a savings account, link an external account, and verify with micro-deposits. The full real workflow.
💳Loan denied at 542. You see exactly what tanked it and how to fix it.
📉80% in one stock. Market crash. Down 40%. You learn concentration risk by living it.
🧠You remember what cost you money

Ready to learn money the real way? Join the waitlist →

What's inside

Real mechanics. Real consequences.

🏦
⭐ Most Complete · City Bank
Full Banking System
City Bank has checking, savings, money market, trading accounts, CDs, loans, and a credit card. You open them one by one, move money between them, and link external accounts using micro-deposit verification. Your credit score updates with every decision. Everything works the way it does at a real bank.
Checking Savings Money Market Trading Account CDs Loans Credit Card Credit Score 300–850
📈
Stock Exchange
22 tradeable assets: stocks, crypto, commodities, and bonds. Live prices, portfolio view, and a learn tab, all in one building.
22 Assets
🔬
Finance Lab
Portfolio analysis, options builder, futures and hedging simulator, and macro watch. Understand your positions before you commit to them.
Simulate · Analyze
🏢
Career at ABC Company
Start as a cashier, climb to fund manager across two tracks. Check your progress, accept promotions, and switch roles from the HR office.
7 Job Tiers
🧾
Tax System
20% income tax auto-deducted every paycheck. Short-term gains taxed at 30%, long-term at 15%. Holding longer pays off in taxes alone.
Income & Capital Gains
Learning by doing

Fail in the game. Win in real life.

Every FinCity loss maps to a skill you'll actually need: credit, investing, liquidity, tax.

📉
80% of your portfolio in one stock. Financial crisis hits. Down 40%.
Every other asset class held steady. You were not diversified.
→
You learn
Concentration risk: one bad bet wipes out months of gains across all your other positions.
→
Real skill
Spread across stocks, bonds, and commodities. No single asset should be more than 25% of your portfolio.
💳
Loan denied. Credit score: 542.
3 hard inquiries + unpaid credit card debt tanked your score.
→
You learn
Every loan application is a hard inquiry. Credit card balances above 30% hurt your score fast.
→
Real skill
Pay balances down, limit applications. Score 542 to 720 is achievable. The game shows you exactly how.
🏦
Locked $3,000 into a 90-day CD at 6.5%. Need it on day 45.
Can't touch it. You're earning interest but have zero liquidity.
→
You learn
Liquidity vs yield trade-off: higher returns often mean your money is locked away when you need it.
→
Real skill
Keep an accessible cash buffer in savings or MMA. Only lock up what you genuinely won't need.
💰
Sold at day 15: $800 profit, kept $560. Waited to day 35: kept $680.
Same profit. $120 difference. Just 20 more days.
→
You learn
Short-term gains taxed at 30%. Long-term (30+ days) taxed at 15%. Patience is literally a tax strategy.
→
Real skill
Always think in after-tax returns. Use tax-loss harvesting to offset winners with losers.

These situations will happen to you in real life.

Learn how to handle them in the game first. It's free.

How it works

Four steps. One goal: don't go broke.

01
Get a job
Pick a job from two career tracks. Earn income — 20% tax auto-deducted every shift.
02
Manage accounts
Checking, savings, MMA, and trading accounts are separate. Build a cash buffer before investing.
03
Invest
Stocks, bonds, crypto, commodities, CDs. Diversify or get wiped in a market event.
04
Build wealth
Level up, unlock more asset classes, and grow your net worth. Or go bankrupt trying.
Play it free

Play free in your browser. No download.

No account needed. Jump in.

💹 fincity
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What you learn

Financial concepts, learned by doing

✓ Income tax
✓ Capital gains tax
✓ Tax-loss harvesting
✓ Credit score
✓ Debt & loans
✓ Compound interest
✓ Diversification
✓ Risk/return tradeoff
✓ Market cycles
✓ Inflation hedging
✓ Fixed income & bonds
✓ Options & derivatives
✓ Liquidity vs yield
🚀 Coming next

The full game is an open-world city.

4 buildings, all playable now. City Bank is the most feature-complete. The other three get the same depth next.

🏦 City Bank · Most Complete 📈 Stock Exchange · Playable 🔬 Finance Lab · Playable 🏢 Company HQ · Playable
🐦 Early Bird Access
Get priority access to the full game and a say in what gets built next.
🎯 Priority access 🗳️ Vote on features 📧 Dev updates
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🐦 Early bird, limited spots

Stop guessing about money.
Start learning it.

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