Start with a job you can actually work.
Open Phone → Jobs, check the entry gate and city, then complete a work action on a scheduled day. Keep needs usable and inspect the shift summary: the gross salary reference, actual pay received and tax are different numbers.
Banking’s first-level Grade I baseline is ₦10,100. Five full shifts give ₦50,500 before modifiers. Your own game result takes precedence over this dated baseline.
Keep rent money separate.
Rent is charged on Saturdays. The official help describes three weeks of rent upfront when you move into a rented home. Mushin’s recorded weekly rent is ₦2,400, so that move-in reference is ₦7,200. Weekly rent remains ₦2,400.
₦10,100 × 5 Banking shifts = ₦50,500 gross. With no earlier wages, baseline wage tax is zero. After ₦2,400 Mushin rent, ₦48,100 remains before your food, transport, repayments and other spending. These are an example player’s assumptions, not a promise about your account.
Tax the extra earnings, not the whole balance.
| Weekly earnings band | Marginal rate |
|---|---|
| First ₦1,000,000 | 0% |
| Above ₦1,000,000 to ₦10,000,000 | 20% |
| Above ₦10,000,000 to ₦50,000,000 | 30% |
| Above ₦50,000,000 | 35% |
If a week brings ₦2,000,000 in wages and no prior wage earnings, ₦1,000,000 is taxable at 20%: tax ₦200,000, net ₦1,800,000. If you already earned ₦9,500,000, another ₦2,000,000 crosses a band: ₦500,000 at 20% plus ₦1,500,000 at 30%, tax ₦550,000. The planner applies the official ₦50 rounding.
Business and other taxable income have a separate bucket. Do not add a business payout to the wage bucket, or deduct a tax again from a pay figure that is already net.
Choose the next income source by what it costs.
Skills and promotions increase career pay, but rank moves also require performance, shifts, reputation and time. Inspect those gates before buying a training item.
Phone → Invest exposes businesses and land reference options. A Recharge & Data Kiosk costs ₦150,000 in the recorded catalog; its normal takings are ₦2,500–₦5,000 with ₦1,800 costs. The normal margin is therefore ₦700–₦3,200 before game payout rounding, tax and other modifiers. The client rounds normal payouts to ₦500: this gives a ₦500–₦3,000 baseline range, and bad days can cause a loss. That price is a savings target, not a guaranteed return.
Phone → Bank offers savings with daily interest and seven-day bonds that pay at maturity. Read the current live rate and liquidity terms there. We have not obtained server-set rates and do not preset a return. Keep near-term rent accessible before locking funds.
Land value growth is not a daily cash wage. Compare operating income and asset value separately.
Turn your next purchase into a budget target.
Enter your current cash, expected pay, realistic shift count and all recurring costs in the Career Planner. A zero or negative weekly surplus cannot fund a new target under unchanged inputs. A positive result assumes the same income and spending every budget week; it does not forecast promotions, bad days or market changes.
Build a savings estimate ↗Everything here is fictional Game Naira. The official terms do not allow cash redemption.
Keep this money guide’s examples as conditional budgets. Unknown bank rates and your unentered spending are not a return forecast.
Checked 12 October 2026. Official career and housing catalog, Official grade, work and tax logic, Official in-game help, Current official economic policy, Official investment and travel catalog, Official game terms. Catalog values were read from the public client; we did not playtest a pay receipt. A published release version was not available. Use your current game figure when it differs.