{"id":207,"date":"2026-08-15T07:24:38","date_gmt":"2026-08-15T07:24:38","guid":{"rendered":"https:\/\/moneycq.com\/?page_id=207"},"modified":"2026-08-15T08:05:44","modified_gmt":"2026-08-15T08:05:44","slug":"regions","status":"publish","type":"page","link":"https:\/\/moneycq.com\/?page_id=207","title":{"rendered":"Regions"},"content":{"rendered":"\n\n<style>\nhtml,body{overflow-x:hidden}\n.wp-block-post-title{display:none}\n.entry-content.wp-block-post-content{max-width:none!important;padding-left:0!important;padding-right:0!important}\nmain.wp-block-group.has-global-padding{padding-left:0!important;padding-right:0!important}\n.mqc-page{background:#0B1220;color:#F8FAFC;padding:76px 24px;text-align:center}\n.mqc-wrap{max-width:900px;margin:0 auto}\n.mqc-kicker{color:#C9F24B;font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase}\n.mqc-h1{font-size:clamp(36px,5vw,58px);line-height:1.06;font-weight:800;letter-spacing:-.02em;margin:14px 0 16px;color:#F8FAFC}\n.mqc-lead{color:#94A3B8;font-size:18px;max-width:640px;margin:0 auto}\n.mqc-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}\n.mqc-card{background:#111A2E;border:1px solid #1F2E4A;border-radius:14px;padding:18px;text-align:left}\n.mqc-card .e{font-size:24px}\n.mqc-card h3{font-size:15px;margin:10px 0 4px;color:#F8FAFC}\n.mqc-card p{color:#94A3B8;font-size:13px;margin:0}\n.mqc-callout{background:linear-gradient(120deg,#C9F24B,#22C55E);border-radius:18px;padding:38px 28px;text-align:center;margin-top:40px}\n.mqc-callout h2{color:#0B1220;font-size:clamp(24px,3vw,34px);font-weight:800;margin:0}\n.mqc-callout p{color:rgba(11,18,32,.75);font-weight:600;margin:8px 0 0}\n@media (max-width:900px){.mqc-cards{grid-template-columns:repeat(2,1fr)}}\n<\/style>\n<section class=\"mqc-page\"><div class=\"mqc-wrap\">\n  <span class=\"mqc-kicker\">Game regions<\/span>\n  <h1 class=\"mqc-h1\">Every world plays under one country&#8217;s real financial rules<\/h1>\n  <p class=\"mqc-lead\">MoneyCQ region packs turn real income tax, social contributions, and retirement schemes into a playable life-sim \u2014 a payslip you can live, a tax bill you can feel, and a retirement balance you can watch grow.<\/p>\n<\/div><\/section>\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-8288429c wp-block-group-is-layout-constrained\" style=\"padding-top:56px;padding-right:24px;padding-bottom:56px;padding-left:24px\">\n\n<style>\n.mqc-sec{margin-top:34px}\n.mqc-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:22px;border:1px solid #1F2E4A;border-radius:14px;background:#0F1830}\n.mqc-table{border-collapse:collapse;width:100%;min-width:680px;font-size:14px}\n.mqc-table th{background:#C9F24B;color:#0B1220;text-align:left;padding:10px 14px;font-weight:800;font-size:13px}\n.mqc-table td{border-top:1px solid #1F2E4A;padding:10px 14px;color:#CBD5E1}\n.mqc-table tr:nth-child(even) td{background:#111A2E}\n.mqc-table code{font-family:'Fira Code',monospace;color:#C9F24B;font-size:13px}\n.mqc-flag{font-size:22px;margin-right:6px}\n.mqc-fgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}\n.mqc-fcard{background:#111A2E;border:1px solid #1F2E4A;border-radius:14px;padding:18px}\n.mqc-fcard h3{font-size:15px;margin:0 0 6px;color:#F8FAFC}\n.mqc-fcard p{color:#94A3B8;font-size:13.5px;margin:0}\n.mqc-cgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:16px}\n.mqc-ccard{background:#111A2E;border:1px solid #1F2E4A;border-radius:16px;padding:20px}\n.mqc-ccard h3{margin:2px 0 2px;font-size:17px;color:#F8FAFC}\n.mqc-ccard .sub{color:#64748B;font-size:12.5px;margin:0 0 10px;font-family:'Fira Code',monospace}\n.mqc-ccard .row{font-size:13.5px;color:#CBD5E1;margin:3px 0}\n.mqc-ccard .row b{color:#C9F24B;font-weight:700}\n.mqc-ccard ul{margin:10px 0 0;padding-left:18px;color:#94A3B8;font-size:13px;line-height:1.55}\n.mqc-region{margin-top:28px;padding:14px 18px;border-left:4px solid #C9F24B;background:#111A2E;border-radius:0 12px 12px 0;font-weight:800;font-size:18px;color:#F8FAFC}\n@media (max-width:800px){.mqc-fgrid{grid-template-columns:1fr}.mqc-cgrid{grid-template-columns:1fr}}\n<\/style>\n\n<h2 class=\"wp-block-heading\">Real rules make real lessons<\/h2>\n<p class=\"wp-block-paragraph\">Every week in the life-sim, the player earns a salary, pays rent and bills, saves, invests, and faces real decisions. Region packs make the simulation authentic: the money rules are real, verified against official sources, and versioned by tax year.<\/p>\n\n<ul class=\"wp-block-list\"><li><strong>Real rules, as data.<\/strong> Tax brackets, social levies, and retirement schemes encoded exactly \u2014 updated as data, not code.<\/li><li><strong>A real payslip flow.<\/strong> Gross salary in, then tax withheld and retirement contributions posted as separate ledger entries.<\/li><li><strong>A visible ledger.<\/strong> Every cent traceable: salary in, tax out, retirement locked away, bills paid.<\/li><li><strong>Deterministic and honest.<\/strong> Pure calculations with no randomness \u2014 every lesson can be replayed and explained.<\/li><li><strong>Locked retirement balances.<\/strong> KiwiSaver, CPF, EPF, SSS and friends grow weekly as locked assets \u2014 teaching the difference between cash, savings, and money you can&#8217;t touch yet.<\/li><\/ul><h2 class=\"wp-block-heading\">17 countries, one engine<\/h2><p class=\"wp-block-paragraph\">Seventeen country packs are live, plus the Generic baseline that powers simple starts and existing worlds. Each pack teaches the same universal money thinking through that country&#8217;s own institutions.<\/p><div class=\"mqc-table-wrap\"><table class=\"mqc-table\"><thead><tr><th>#<\/th><th>Country<\/th><th>Key<\/th><th>Currency<\/th><th>Income tax<\/th><th>Retirement scheme<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>\ud83c\uddf3\ud83c\uddff New Zealand<\/td><td><code>nz<\/code><\/td><td>NZD<\/td><td>10.5\u201339%<\/td><td>KiwiSaver<\/td><\/tr><tr><td>2<\/td><td>\ud83c\udde6\ud83c\uddfa Australia<\/td><td><code>au<\/code><\/td><td>AUD<\/td><td>0\u201345% + Medicare<\/td><td>Superannuation<\/td><\/tr><tr><td>3<\/td><td>\ud83c\uddfa\ud83c\uddf8 United States<\/td><td><code>us<\/code><\/td><td>USD<\/td><td>10\u201337% + FICA<\/td><td>401(k)<\/td><\/tr><tr><td>4<\/td><td>\ud83c\udde8\ud83c\udde6 Canada<\/td><td><code>ca<\/code><\/td><td>CAD<\/td><td>14\u201333% + Ontario<\/td><td>CPP<\/td><\/tr><tr><td>5<\/td><td>\ud83c\uddec\ud83c\udde7 United Kingdom<\/td><td><code>gb<\/code><\/td><td>GBP<\/td><td>20\u201345% + NI<\/td><td>Auto-enrolment pension<\/td><\/tr><tr><td>6<\/td><td>\ud83c\uddee\ud83c\uddea Ireland<\/td><td><code>ie<\/code><\/td><td>EUR<\/td><td>20\/40% + USC + PRSI<\/td><td>My Future Fund<\/td><\/tr><tr><td>7<\/td><td>\ud83c\uddff\ud83c\udde6 South Africa<\/td><td><code>za<\/code><\/td><td>ZAR<\/td><td>18\u201345%<\/td><td>Retirement fund (RA)<\/td><\/tr><tr><td>8<\/td><td>\ud83c\uddf8\ud83c\uddea Sweden<\/td><td><code>se<\/code><\/td><td>SEK<\/td><td>~32.4% + state tax<\/td><td>Public pension<\/td><\/tr><tr><td>9<\/td><td>\ud83c\uddf3\ud83c\uddf4 Norway<\/td><td><code>no<\/code><\/td><td>NOK<\/td><td>22% + bracket tax<\/td><td>OTP workplace pension<\/td><\/tr><tr><td>10<\/td><td>\ud83c\udde9\ud83c\uddf0 Denmark<\/td><td><code>dk<\/code><\/td><td>DKK<\/td><td>~37\u201357%<\/td><td>Workplace pension<\/td><\/tr><tr><td>11<\/td><td>\ud83c\uddeb\ud83c\uddee Finland<\/td><td><code>fi<\/code><\/td><td>EUR<\/td><td>20.1\u201345%<\/td><td>TyEL<\/td><\/tr><tr><td>12<\/td><td>\ud83c\uddf8\ud83c\uddec Singapore<\/td><td><code>sg<\/code><\/td><td>SGD<\/td><td>0\u201324%<\/td><td>CPF<\/td><\/tr><tr><td>13<\/td><td>\ud83c\uddee\ud83c\uddf3 India<\/td><td><code>in<\/code><\/td><td>INR<\/td><td>0\u201330%<\/td><td>EPF<\/td><\/tr><tr><td>14<\/td><td>\ud83c\uddee\ud83c\udde9 Indonesia<\/td><td><code>id<\/code><\/td><td>IDR<\/td><td>5\u201335%<\/td><td>JHT + JP<\/td><\/tr><tr><td>15<\/td><td>\ud83c\uddf5\ud83c\udded Philippines<\/td><td><code>ph<\/code><\/td><td>PHP<\/td><td>15\u201335%<\/td><td>SSS<\/td><\/tr><tr><td>16<\/td><td>\ud83c\uddf2\ud83c\uddfe Malaysia<\/td><td><code>my<\/code><\/td><td>MYR<\/td><td>0\u201330%<\/td><td>EPF<\/td><\/tr><tr><td>17<\/td><td>\ud83c\uddfb\ud83c\uddf3 Vietnam<\/td><td><code>vn<\/code><\/td><td>VND<\/td><td>5\u201335%<\/td><td>Social insurance pension<\/td><\/tr><\/tbody><\/table><\/div><h2 class=\"wp-block-heading\">The countries<\/h2><div class=\"mqc-region\">Oceania<\/div><div class=\"mqc-cgrid\"><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf3\ud83c\uddff<\/span><h3>New Zealand<\/h3><p class=\"sub\">nz \u00b7 NZD<\/p><div class=\"row\"><b>Income tax:<\/b> 10.5\u201339%<\/div><div class=\"row\"><b>Retirement:<\/b> KiwiSaver<\/div><ul><li>How PAYE and ACC come out of a paycheque<\/li><li>Living on net pay<\/li><li>Auto-enrolment, government top-ups, and compound growth<\/li><li>Choosing a KiwiSaver rate with real trade-offs<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\udde6\ud83c\uddfa<\/span><h3>Australia<\/h3><p class=\"sub\">au \u00b7 AUD<\/p><div class=\"row\"><b>Income tax:<\/b> 0\u201345% + Medicare<\/div><div class=\"row\"><b>Retirement:<\/b> Superannuation<\/div><ul><li>Bracket math and the Medicare levy<\/li><li>How superannuation works and who pays<\/li><li>Employer contributions and salary sacrifice<\/li><li>Finding the co-contribution sweet spot<\/li><\/ul><\/div><\/div><div class=\"mqc-region\">North America<\/div><div class=\"mqc-cgrid\"><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddfa\ud83c\uddf8<\/span><h3>United States<\/h3><p class=\"sub\">us \u00b7 USD<\/p><div class=\"row\"><b>Income tax:<\/b> 10\u201337% + FICA<\/div><div class=\"row\"><b>Retirement:<\/b> 401(k)<\/div><ul><li>Progressive brackets and the standard deduction<\/li><li>Income tax vs payroll tax (FICA)<\/li><li>Employer matching and the cost of early withdrawals<\/li><li>How much to defer vs take home today<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\udde8\ud83c\udde6<\/span><h3>Canada<\/h3><p class=\"sub\">ca \u00b7 CAD<\/p><div class=\"row\"><b>Income tax:<\/b> 14\u201333% + Ontario<\/div><div class=\"row\"><b>Retirement:<\/b> CPP<\/div><ul><li>Federal brackets, the basic personal amount, and the 2026 rate cut<\/li><li>Provincial tax as a second layer with its own exemption<\/li><li>EI and CPP payroll contributions and their ceilings<\/li><li>How employer contributions double retirement saving<\/li><\/ul><\/div><\/div><div class=\"mqc-region\">Europe<\/div><div class=\"mqc-cgrid\"><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddec\ud83c\udde7<\/span><h3>United Kingdom<\/h3><p class=\"sub\">gb \u00b7 GBP<\/p><div class=\"row\"><b>Income tax:<\/b> 20\u201345% + NI<\/div><div class=\"row\"><b>Retirement:<\/b> Auto-enrolment pension<\/div><ul><li>Allowances, marginal rates, and the \u00a3100k taper<\/li><li>National Insurance and how it funds the state<\/li><li>Why opting out of auto-enrolment loses employer money<\/li><li>The real cost of the 60% tax trap<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddee\ud83c\uddea<\/span><h3>Ireland<\/h3><p class=\"sub\">ie \u00b7 EUR<\/p><div class=\"row\"><b>Income tax:<\/b> 20\/40% + USC + PRSI<\/div><div class=\"row\"><b>Retirement:<\/b> My Future Fund<\/div><ul><li>Why a tax credit is worth more than a deduction<\/li><li>USC, PRSI, and layered deductions<\/li><li>State-boosted auto-enrolment savings<\/li><li>Net pay after the full stack<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf8\ud83c\uddea<\/span><h3>Sweden<\/h3><p class=\"sub\">se \u00b7 SEK<\/p><div class=\"row\"><b>Income tax:<\/b> ~32.4% + state tax<\/div><div class=\"row\"><b>Retirement:<\/b> Public pension<\/div><ul><li>Income-dependent allowances and tapers<\/li><li>Municipal vs state tax and public pensions<\/li><li>How pay-as-you-go pensions work<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf3\ud83c\uddf4<\/span><h3>Norway<\/h3><p class=\"sub\">no \u00b7 NOK<\/p><div class=\"row\"><b>Income tax:<\/b> 22% + bracket tax<\/div><div class=\"row\"><b>Retirement:<\/b> OTP workplace pension<\/div><ul><li>Deductions before brackets, layered taxes<\/li><li>National insurance and occupational pensions<\/li><li>Mandatory employer pension saving<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\udde9\ud83c\uddf0<\/span><h3>Denmark<\/h3><p class=\"sub\">dk \u00b7 DKK<\/p><div class=\"row\"><b>Income tax:<\/b> ~37\u201357%<\/div><div class=\"row\"><b>Retirement:<\/b> Workplace pension<\/div><ul><li>A genuinely layered tax system<\/li><li>How contributions interact with tax thresholds<\/li><li>High pension-saving rates and retirement<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddeb\ud83c\uddee<\/span><h3>Finland<\/h3><p class=\"sub\">fi \u00b7 EUR<\/p><div class=\"row\"><b>Income tax:<\/b> 20.1\u201345%<\/div><div class=\"row\"><b>Retirement:<\/b> TyEL<\/div><ul><li>State vs municipal tax, and employer pension burden<\/li><li>Combined marginal rates across layers<\/li><li>How much of a salary funds a pension<\/li><\/ul><\/div><\/div><div class=\"mqc-region\">Africa<\/div><div class=\"mqc-cgrid\"><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddff\ud83c\udde6<\/span><h3>South Africa<\/h3><p class=\"sub\">za \u00b7 ZAR<\/p><div class=\"row\"><b>Income tax:<\/b> 18\u201345%<\/div><div class=\"row\"><b>Retirement:<\/b> Retirement fund (RA)<\/div><ul><li>Rebates vs deductions and bracket creep<\/li><li>UIF and the retirement-fund industry<\/li><li>Voluntary retirement saving with employer matching<\/li><\/ul><\/div><\/div><div class=\"mqc-region\">Asia<\/div><div class=\"mqc-cgrid\"><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf8\ud83c\uddec<\/span><h3>Singapore<\/h3><p class=\"sub\">sg \u00b7 SGD<\/p><div class=\"row\"><b>Income tax:<\/b> 0\u201324%<\/div><div class=\"row\"><b>Retirement:<\/b> CPF<\/div><ul><li>A wide, low progressive schedule<\/li><li>A national forced-savings system (CPF)<\/li><li>Locking money for housing, health, and retirement<\/li><li>Take-home pay vs a compulsory nest egg<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddee\ud83c\uddf3<\/span><h3>India<\/h3><p class=\"sub\">in \u00b7 INR<\/p><div class=\"row\"><b>Income tax:<\/b> 0\u201330%<\/div><div class=\"row\"><b>Retirement:<\/b> EPF<\/div><ul><li>The rebate cliff: a real marginal-rate jump<\/li><li>Tax regimes, deductions, and the provident fund<\/li><li>Forced retirement saving with an employer match<\/li><li>Why a small raise can change your tax bill<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddee\ud83c\udde9<\/span><h3>Indonesia<\/h3><p class=\"sub\">id \u00b7 IDR<\/p><div class=\"row\"><b>Income tax:<\/b> 5\u201335%<\/div><div class=\"row\"><b>Retirement:<\/b> JHT + JP<\/div><ul><li>BPJS: health, old-age, and pension in one system<\/li><li>Non-taxable income and capped deductions<\/li><li>The JHT old-age savings account<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf5\ud83c\udded<\/span><h3>Philippines<\/h3><p class=\"sub\">ph \u00b7 PHP<\/p><div class=\"row\"><b>Income tax:<\/b> 15\u201335%<\/div><div class=\"row\"><b>Retirement:<\/b> SSS<\/div><ul><li>A three-pillar payroll contribution system<\/li><li>Monthly salary credits and contribution caps<\/li><li>SSS pensions and mandatory membership<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddf2\ud83c\uddfe<\/span><h3>Malaysia<\/h3><p class=\"sub\">my \u00b7 MYR<\/p><div class=\"row\"><b>Income tax:<\/b> 0\u201330%<\/div><div class=\"row\"><b>Retirement:<\/b> EPF<\/div><ul><li>Many narrow bands and reliefs<\/li><li>SOCSO, EIS, and the KWSP pension fund<\/li><li>Uncapped EPF saving with employer contributions<\/li><\/ul><\/div><div class=\"mqc-ccard\"><span class=\"mqc-flag\">\ud83c\uddfb\ud83c\uddf3<\/span><h3>Vietnam<\/h3><p class=\"sub\">vn \u00b7 VND<\/p><div class=\"row\"><b>Income tax:<\/b> 5\u201335%<\/div><div class=\"row\"><b>Retirement:<\/b> Social insurance pension<\/div><ul><li>A tax system mid-reform and how new rules land<\/li><li>Personal deductions and contribution ceilings<\/li><li>Pay-as-you-go social insurance and survivor benefits<\/li><\/ul><\/div><\/div><h2 class=\"wp-block-heading\">Design principles<\/h2><ul class=\"wp-block-list\"><li><strong>One file per country, rules as data<\/strong> \u2014 adding a country never changes the engine.<\/li><li><strong>Verified and versioned<\/strong> \u2014 every pack cites official sources, carries its tax year, and has a re-check cadence.<\/li><li><strong>Honest simplifications<\/strong> \u2014 where a full tax code is too complex, the pack models the rules that matter and flags what&#8217;s simplified.<\/li><li><strong>Existing worlds keep playing<\/strong> \u2014 the Generic baseline backfills old worlds when a new country lands.<\/li><\/ul><h2 class=\"wp-block-heading\">What&#8217;s next<\/h2><ul class=\"wp-block-list\"><li>Annual KiwiSaver government top-up and per-player retirement rate choices.<\/li><li>More packs on the roadmap: Canada, Japan, Germany, Brazil, Thailand, Hong Kong.<\/li><\/ul><p class=\"wp-block-paragraph\">Every classroom learns the same core money thinking \u2014 but through the system their own students will grow up in. See how that works for teachers <a href='https:\/\/moneycq.com\/?page_id=208'>here<\/a>.<\/p><p class=\"wp-block-paragraph\">Want to see how these choices move your score? <strong>MoneyCQ<\/strong> is a life-sim where your Cash Quotient rises and falls with decisions just like these. Follow the blog for build updates and early access.<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>17 country packs, real tax rules, and the money lessons each one teaches.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-207","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/pages\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneycq.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=207"}],"version-history":[{"count":3,"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/pages\/207\/revisions"}],"predecessor-version":[{"id":214,"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/pages\/207\/revisions\/214"}],"wp:attachment":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}