Moneyflow is now on Google Play
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Moneyflow, our financial board game, is now available on Google Play. It is free, it works offline, and the same game runs in any browser at playmoneyflow.com. Version 1.2.8 is the build that went live today.
What Moneyflow is
You pick a character with a real job, a real salary and real bills: a nurse, a software developer, a teacher, a restaurant worker, a medical resident, a trust fund kid. Then you roll dice, move around a board that is generated fresh for every game, and make money decisions on every square. Buy the rental flat or pass. Take the mortgage or pay cash. Hold the stock through the crash or sell. Say yes to the shopping square, or walk past.
The goal is not to be the richest player on paper. It is to build enough passive income to cover your expenses, escape the 9-to-5, and then afford two of your dreams. That is the only way to win, in single player and in multiplayer alike.
What the board quietly teaches you
Moneyflow is a game first. Nobody wants a lecture with dice. But the rules are built on how money actually works, so after a few games you start noticing things. Here are the ones players tell us about most.
1. Cashflow sets you free, not net worth
A character can own a house, a car and a stock portfolio and still be broke every payday, because none of it pays them. The game only counts what flows in each month against what flows out. A small flat that nets $200 a month after the mortgage moves you closer to freedom than a shiny asset that costs you money to hold. Once you see it on the financial statement, you start looking for it in real life.
2. Leverage multiplies both ways
You can buy a $200,000 property with $40,000 down and a mortgage for the rest. If rents rise, your return on that $40,000 is enormous. If the economy turns and rents thin out, the mortgage payment does not shrink with them. The bank in Moneyflow enforces the same two rules real lenders use: your debt payments cannot exceed 40% of your income, and you cannot borrow more than 80% of what an asset is worth. Bump into those caps a few times and you understand why they exist.
3. Not all debt is the same
A mortgage on a flat that pays for itself is a tool. A credit card used to cover a shortfall is a leak. An emergency loan taken at market rate in the middle of a rate hike is a lesson. The game lets you refinance when rates fall, pay debt down partially, or leave cheap debt alone and invest the cash instead. Which one is right depends on the numbers in front of you, and the game shows you those numbers before you tap.
4. Inflation arrives as a rate hike
There is no inflation meter. Instead, news cards do what central banks do: "CPI comes in hot, rates up 0.5%". Suddenly every new loan is dearer, the deal you were about to finance no longer pencils out, and the player who locked in a fixed mortgage last round looks very clever. Rents and business returns also follow the economy, thin in a bust and generous in a boom, so a rate cycle changes what a good deal even is.
5. The economy has seasons
Boom, bust, recovery. Asset prices and interest rates move with the phase. The players who do best are usually the ones who kept some cash through the boom and bought during the bust, when everyone else was selling. That is a boring piece of advice in a book. It is a very satisfying thing to do on a board.
6. Taxes are part of the price
Income tax comes off your salary, side income is taxed at 15%, and profitable sales pay 15% capital gains. Every return the game shows you is after tax, because that is the only return that matters. It takes about one game to stop being surprised by it.
7. Habits count more than windfalls
The shopping square is always there, and it is always tempting. Resisting it is worth a little happiness in the game and a lot of money over a career. Keeping a cushion in savings certificates means a medical emergency is an inconvenience rather than a crisis. Reading the return-on-investment row before buying becomes a reflex. None of this is advice. It is just what happens when you play enough rounds.
New in 1.2.8: haggling.
Every deal, offer and loan quote can now be negotiated, and then renegotiated. The other side may sweeten the terms, dig in, or walk away for good. Learning when to stop pushing is its own small lesson.
And it is a lot of fun
Dice, cards, a wedding, a divorce that splits the estate, a bidding war for your best property, a partner who wants to be bought out. Every board is different, every character starts from a different place, and there are pawns, themes and dice skins to collect. Play alone against the economy and bots, or in real-time multiplayer with matchmaking and Elo ratings, where you can now see everyone's name on their pawn.
What is in this release
- Negotiate, then renegotiate. The other side may walk away: one time in ten on the first round, then more often.
- Cards fit your situation: no divorce before a wedding, no stock sale without stocks.
- Divorce splits your net estate, and your ex can take on your unsecured loans.
- Partner Buyout can borrow the shortfall on the spot.
- Name tags on pawns in multiplayer.
- Fixes: a tap after the dice landed no longer loses the roll, the end-turn prompt no longer appears right after a Pay or Loan window, and greyed-out buttons now say what they need.
Play it now
Moneyflow is free on Android and free in the browser. No ads, no trackers, no account needed to start. It is an educational game, not financial advice, and every currency, asset and price in it is fictional. The habits, though, are real.