Features


CHARACTER SYSTEM
- Create your own character
- Choose a character name
- Choose a gender
- Save up to 5 separate characters
- Load previously created characters
- Character selection shows important financial information
- Each character has their own separate progress
- Separate money, credit, inventory, job, XP, bills, loans, and activity per character

BANKING SYSTEM
- Full banking dashboard
- Checking account
- Savings account
- View account balances
- Transfer money between Checking and Savings
- Transaction history
- Financial activity tracking
- Money balance displayed during gameplay
- Persistent banking data between game sessions

SAVINGS ACCOUNT
- Savings earns interest every 3 real days
- Standard savings interest rate: 3%
- Savings over $500,000 earns 5% interest
- Real-time based interest system
- Savings growth is tracked automatically

CREDIT SCORE SYSTEM
- Credit score range from 300 to 850
- New characters begin around a 500 credit score
- On-time financial behavior can improve credit
- Late payments can lower credit
- Credit utilization can affect credit
- Dedicated Credit Score page
- Credit Score page designed to feel like a real credit score website
- Credit score used for card and loan eligibility

CREDIT CARDS
- Apply for credit cards
- Hold one active credit card at a time
- Card eligibility depends on credit score and account progress
- Credit card balance tracking
- Available credit tracking
- Credit limit tracking
- APR system
- Credit utilization tracking
- Credit card transaction history
- Statements
- Minimum payments
- Due dates
- Late fees
- Interest charges
- Credit card repayment
- Must pay off a card before giving it up

CREDIT CARD OPTIONS

Kredex
- $500 credit limit
- 25% APR

Nexium
- $1,000 credit limit
- 15% APR
- Requires at least a 650 credit score

Sterling Black
- $2,000 credit limit
- 10% APR
- Requires at least a 750 credit score
- Includes a free gift from the shop

BILLS SYSTEM
- Dedicated Bill Management page
- Track active bills
- Track payment status
- Pay bills manually
- Due date tracking
- Bill payment history
- Late payment consequences
- Rich Members can enable Bill AutoPay

RICH MEMBER SYSTEM
- Rich Member status unlocked at $800,000 or more
- Exclusive financial benefits
- Bill AutoPay
- Lower loan APR
- Higher borrowing limits
- Additional high-value player benefits

LOAN SYSTEM
- Apply for loans
- Borrow money
- Loan eligibility based on credit and game progress
- Credit score influences loan terms
- Loan balance tracking
- Loan repayment
- APR system
- Daily fictional loan interest
- Borrowing limits
- Rich Members receive better loan rates
- Rich Members receive higher loan limits

SHOP SYSTEM
- Large fictional shop catalog
- Over 100 purchasable items
- Items have individual prices
- Different item types and designs
- Items can have different rarity levels
- Some items are more valuable than others
- Purchases are added to player inventory
- Shop purchases are tracked

INVENTORY SYSTEM
- Personal inventory
- View owned items
- Store purchased items
- Track item value
- Track rarity
- Sell owned items
- Inventory data is saved per character

MARKET SYSTEM
- Item values can fluctuate over time
- Some items can increase in value
- Some items can decrease in value
- Item rarity can influence value
- Sell items back through the market
- Market selling prices can differ from shop prices
- Some rare items may become profitable over time

JOB SYSTEM
- Large job catalog
- Multiple career choices
- Jobs have requirements
- XP requirements
- Level requirements
- Different jobs provide different income
- Players can work up to twice per real day
- Must stay with a job for 3 real days before switching
- Job progress is saved
- Career progression system

XP SYSTEM
- Earn XP through gameplay
- Earn XP from working and other activities
- XP is saved per character
- XP is used for progression
- XP unlocks higher level opportunities

LEVEL SYSTEM
- Character level based on XP
- Higher levels unlock more opportunities
- Some jobs require certain levels
- Economy features can use level requirements
- Character progression continues across sessions

FINANCIAL ACTIVITY SYSTEM
- Tracks deposits
- Tracks withdrawals
- Tracks purchases
- Tracks sales
- Tracks bill payments
- Tracks loan activity
- Tracks credit card activity
- Tracks interest
- Tracks job income
- Detailed activity history

ECONOMY SYSTEM
- Banking, jobs, shopping, bills, loans, and credit are connected
- Financial decisions affect character progress
- Credit decisions affect borrowing options
- Job income affects buying power
- Savings can generate passive income
- Shop items can become investment-like collectibles
- Player choices affect long-term financial growth

PLAYER PROGRESSION
- Long-term character growth
- Grow from low-income beginner to wealthy player
- Improve credit over time
- Unlock better jobs
- Qualify for better credit cards
- Qualify for larger loans
- Build savings
- Build inventory
- Increase net worth
- Reach Rich Member status

PLAYER STATISTICS
- Tracks financial progress
- Tracks character progress
- Tracks activity over time
- Shows important player milestones
- Tracks lifetime financial information

SAVE SYSTEM
- Local save system
- Character data is stored automatically
- Supports up to 5 characters
- Each save is independent
- Progress persists after closing the game
- Financial timers continue using real-world time

USER INTERFACE
- Modern banking-style interface
- Dedicated pages for major systems
- Character selection screen
- Banking dashboard
- Credit Score page
- Credit Card page
- Bills page
- Loans page
- Shop page
- Inventory page
- Jobs page
- Credits page
- Banking-style navigation
- Money displayed during gameplay
- Responsive desktop layout

INTRO SYSTEM
- Animated banking-themed intro
- Custom Banking Life Simulator branding
- Uses the official game icon
- Intro music
- Banking terminal and vault-style visuals
- Financial system startup messages
- Intro can be skipped

GAME BRANDING
- Custom Banking Life Simulator logo
- Transparent game icon
- Windows executable icon
- Desktop shortcut icon
- Start Menu icon
- Installer icon
- Uninstaller icon
- Taskbar icon
- Game window icon

MUSIC
- Intro music included
- Intro song credit included in the game
- Music credited to JonasBlakewoo
- Artist profile link included in Credits

CREDITS PAGE
- Dedicated Credits page
- Creator credited as DonRaccooni
- Intro music artist credited as JonasBlakewoo
- Clickable link to the music artist's Pixabay profile
- Game branding displayed on the Credits page

WINDOWS DESKTOP BUILD
- Built as an Electron desktop application
- Designed for Windows
- Development testing file included
- Build file included
- dev.bat for testing
- build.bat for packaging
- Generates a Windows installer
- Generates desktop shortcut
- Generates Start Menu shortcut
- Includes game icon in packaged build
- Includes intro music in packaged build
- Includes all game assets

CURRENT GAME IDENTITY
- Game Name: Banking Life Simulator
- Creator: DonRaccooni
- Platform: Windows Desktop
- Genre: Banking / Life Simulation / Economy / Career / Shopping / Credit Simulator

Gallery