What’s your CQ?
MoneyCQ is a life-sim that turns your money choices into one living number — your Cash Quotient. Spend, save, earn, invest, survive chaos, and watch the score rise (or fall) with every decision.
▲ +12 this month
CQ is the only one you can level up week by week in a simulated life.
Your financial skill, distilled into one score.
CQ is a blend of the habits and decisions that decide where your money story goes — from daily spending to how you survive a financial shock.
Spending habits
Groceries to lifestyle creep; overdrafts drag you down.
Saving discipline
Buffers, deposit streaks, and the emergency fund.
Risk tolerance
Measured exposure, not gambling: insured assets raise your score, uninsured ones raise the stakes.
Income streams
Salary, side business, rentals, investments — and whether they actually cover your costs.
Debt management
Loans, student debt, vehicle finance and the weekly payment load.
Investment behaviour
Diversification and holding beats churning.
Financial resilience
Weeks of buffer, recovery after a crash, staying out of bankruptcy.
Lifestyle choices
Health, fatigue, reputation, and the consequences of prison or burnout.
CQ runs 0–1000 with nine bands (Ruined → Mogul) and a monthly delta — you see the trend, not just the number.
Your CQ is the heartbeat of the game.
Every choice moves your score across every mode. The game doesn’t lecture — it lets you live with the consequences.
Solo
A private two-year life — your choices, your score.
Classroom
Teacher-controlled difficulty, systems and game speed; missions, achievements and leaderboards.
Multiplayer
Share a city, hire each other, trade real assets, form partnerships, and co-own a business.
Family
A parent sets the difficulty, which systems are on, and whether the game is paused or rolling.
The challenge board, right now.
Fresh Start challengers ranked by CQ — updated live from the game.
Your financial story, quantified.
Start your first week — 104 decisions, one score that never lies.