Capitalize

"Do you want to get rich? Start playing." ✔ Manage your budget like in real life (rent, groceries, leisure). ✔ Invest in the stock market (ETFs, stocks, gold) and watch your money grow (or crash!). ✔ Create companies and take them public (IPO).

Capitalize

From 18 to retirement — one life, one budget, your choices.

You’re not a spreadsheet. You live a life: first job, rent, surplus, investing, companies — through retirement. Capitalize is an educational financial life sim: compounding, DCA, the 4% rule, treasury and IPO, learned by playing. Not a lecture. A life.

Jobs & training — climb, switch tracks, unlock roles
Bank & budget — income, bills, surplus; transport is a budget line
Housing — rent, buy, renovate, mortgage
Broker — ETFs, stocks, bonds, gold, savings / life-insurance envelope (AV), DCA
Business — Starter, Growth, Empire tiers, treasury and IPO
Online career — Steam profile, leaderboards (normal / realistic)
Steam Achievements and in-game documentation
11 languages

Systems

Job — from first paycheck to specialist careers (sales, finance, IT, health, trades…)
Budget — groceries, fun, subscriptions, housing, transport (city pass → car-equivalent)
Bank — monthly cash-flow, loans, net-worth view
Broker — ETF baskets, stocks (educational parodies), bonds, gold, AV envelope (euro fund + units)
Companies — found, pay dividends, reinvest, scale, then take it public
Retirement — year-end report, 4% income, financial independence

Who is it for?

Ideal if you want to learn finance by playing: a real budget, markets, business — without a boring spreadsheet. You live the consequences of your choices, from 18 to retirement.

Educational simulation, not personalised financial advice. Inspired by real life, still fiction.