Piggy-Bank Smashing Active Incremental

Bills Must Be Paid Wiki

Smash piggy banks for random loot, manage stamina, choose one of three perks, expand the skill tree, survive bankruptcy, and clear every bill to become debt-free.

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Bills Must Be Paid Guides

Everything you need to smash piggy banks, manage stamina, pay every bill, and reach a debt-free run.

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bills must be paid steamdb: Progression Tips & Guide

Use this Bills Must Be Paid SteamDB guide to compare versions, manage stamina, select perks, upgrade the skill tree, and clear every bill.

Aug 2, 2026guide
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bills must be paid mods: Support & Setup Guide

Learn what is confirmed about bills must be paid mods, core progression, upgrade priorities, controls, and safe mod evaluation in 2026.

Aug 2, 2026guide
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bills must be paid: Step-by-Step Debt-Free Farming Route

Use this bills must be paid guide to manage stamina, smash piggy banks, choose perks, upgrade the skill tree, and clear every bill.

Aug 2, 2026guide
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bills must be paid double or nothing: Risk Guide

Learn when to use double or nothing, which upgrades to prioritize, and how to manage bills, stamina, loans, and bankruptcy.

Aug 2, 2026guide
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bills must be paid mobile: Release Status & Access Guide

Check what is confirmed about bills must be paid mobile access, review the release trailer, and avoid unsupported platform claims.

Aug 2, 2026platforms
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bills must be paid android: Platform Status & Access Guide

Is Bills Must Be Paid available on Android? Check the confirmed platform status, browser options, Steam access, and safe ways to try the game.

Aug 2, 2026platforms
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bills must be paid chinese: Demo Tips & Bill Strategy

Learn how to break piggy banks, choose upgrades, manage stamina, and pay bills efficiently in the Bills Must Be Paid demo.

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bills must be paid reddit: Tips & Tricks for Runs

Learn how to manage bills, smash piggy banks, choose upgrades, and protect earnings in Bills Must Be Paid.

Jul 30, 2026discovery
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bills must be paid stamina: Tips & Tricks Walkthrough

Learn how to conserve stamina, choose upgrades, time bills, and improve every run in Bills Must Be Paid.

Jul 30, 2026mechanics
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bills must be paid browser: Setup Guide & First Steps

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bills must be paid skill tree: Upgrade Route Guide

Plan the Bills Must Be Paid skill tree with early, damage, stamina, and loot routes for stronger runs, safer bill payments, and debt-free progress.

Jul 30, 2026upgrades
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Bills Must Be Paid Beginner Guide

Each run is a race between income, stamina, and approaching bill deadlines. Smash piggy banks efficiently, collect their random drops, choose useful perks, and invest leftover money into permanent skill tree upgrades.

1

Check the Current Bills

Start by reviewing how much money must be paid and how long remains before the deadline. Treat the required bill total as your minimum target for the run.

Priority: Do not spend money needed for the next payment.
Goal: Know exactly how much income the run must produce.
2

Smash Nearby Piggy Banks

Attack the closest and easiest piggy banks first. Every unnecessary chase consumes time and stamina that could have been used to break additional targets.

Priority: Clear easy targets before chasing difficult or fast-moving piggies.
Goal: Build reliable early income with minimal stamina waste.
3

Collect Every Useful Drop

Piggy banks release random loot and coins when destroyed. Move through the drop area before leaving so valuable rewards are not missed.

Priority: Rare coins and valuable loot should be collected immediately.
Goal: Convert every successful smash into the highest possible income.
4

Protect Your Stamina

Stamina limits how long you can continue attacking during a run. Avoid wasting swings, long pursuits, and inefficient targets when the remaining stamina is low.

Priority: Use the final part of the stamina bar on targets you can realistically destroy.
Goal: Finish each run with more completed piggy banks and fewer wasted attacks.
5

Pay Bills Before the Deadline

Return to the payment objective once you have enough money. Paying on time keeps the run moving and prevents the collector from ending your progress.

Priority: Secure the required payment before buying optional upgrades.
Goal: Stay ahead of the collector and continue reducing the debt.
6

Choose One of Three Perks

After completing a bill payment, compare the three random perk choices. Prioritize immediate income and stamina efficiency early, then add damage and luck as your base strength improves.

Priority: Choose the perk that fixes the current run's biggest weakness.
Goal: Create a stronger build after every successful payment.
7

Spend Only Spare Money

Invest money left after securing required payments into permanent skill tree upgrades. Start with dependable improvements before purchasing expensive or specialized branches.

Priority: Recommended early order: basic attack strength, stamina support, reliable income or luck, then special attacks.
Goal: Build enough permanent power to complete the first debt-free run.

Bills Must Be Paid Perks Tier List

Early runs reward perks that produce immediate and dependable value. Damage and luck become more effective after permanent upgrades make it easier to destroy additional piggy banks during the same stamina-limited run.

S

Best Early-Game Value

These perk types directly improve how much useful progress can be made before stamina runs out.

Money Generation

Effect: Increases the practical income earned from successful piggy bank runs.
Best For: Paying early bills safely and building a money reserve.
Choose When: Your damage is sufficient, but income is still falling short of the deadline.

Stamina Efficiency

Effect: Allows more attacks or more productive time before the run ends.
Best For: Nearly every early build.
Choose When: You regularly stop with several reachable piggy banks still available.
A

Strong and Consistent

These perk types help destroy more targets and improve the value of each run once basic stamina and income are stable.

Piggy Damage

Effect: Reduces the effort needed to break piggy banks and improves total targets destroyed per run.
Best For: Harder piggies and damage-focused skill tree routes.
Choose When: Targets frequently survive after consuming too much stamina.

Luck

Effect: Improves the run's potential to produce valuable random loot and rare coin results.
Best For: Longer runs that already destroy many piggy banks.
Choose When: Your build has enough stamina and damage to create many drop opportunities.
B

Useful in Specific Runs

These choices can prevent a failed run but usually provide less long-term growth than income, stamina, or damage.

Survival and Safety

Effect: Provides a safer path through difficult bill cycles or weak runs.
Best For: Recovering when money, stamina, or payment timing is under pressure.
Choose When: The alternative choices do not help you reach the next payment reliably.
C

Low Immediate Impact

A perk is weak when its effect does not solve the current run's limiting problem.

Poorly Timed Scaling Choice

Effect: May become useful later but produces little immediate help during the current bill cycle.
Best For: Established builds with secure payments and strong permanent upgrades.
Choose When: Only after the next bill is already safe and the perk supports a clear late-game plan.
Decision Rule

How to Pick Between Three Options

Choose according to the resource currently preventing progress.

Not Enough Money

Effect: Choose money generation first, followed by luck when many piggies can already be destroyed.
Best For: Runs missing payment targets.
Choose When: Income is the main failure point.

Stamina Ends Too Soon

Effect: Choose stamina efficiency before adding more specialized effects.
Best For: Runs ending with many unfinished targets.
Choose When: Run duration is the main failure point.

Piggies Take Too Long

Effect: Choose piggy damage to reduce attacks required per target.
Best For: Runs wasting stamina on durable piggy banks.
Choose When: Damage is the main failure point.

Bills Must Be Paid Skill Tree Guide

Skill tree money should come from funds left after mandatory bills are protected. Basic strength and stamina upgrades provide the most dependable early progress, while luck and special attacks become stronger after the core build is established.

Grip Strength

Core Attack
Focus: Improves the effectiveness of direct piggy-smashing attacks.
Best For: Reducing the number of hits required to destroy basic targets.
Upgrade Timing: Buy early when standard piggy banks consume too much stamina.
Route Note: A dependable opening investment for most builds.

Caffeine

Stamina Support
Focus: Supports longer and more productive stamina-limited runs.
Best For: Players who regularly run out of stamina before clearing nearby targets.
Upgrade Timing: Prioritize early alongside a basic damage upgrade.
Route Note: Especially valuable when extra run duration produces multiple additional piggy bank kills.

Gym

Physical Progression
Focus: Strengthens the build's physical performance and supports deeper attack-oriented progression.
Best For: Consistent smashing builds that rely on repeated direct attacks.
Upgrade Timing: Develop after securing the first basic strength and stamina improvements.
Route Note: Use as part of a balanced physical upgrade route.

Wrist Power

Attack Efficiency
Focus: Improves the effectiveness of repeated swings against piggy banks.
Best For: Breaking durable targets without spending excessive stamina.
Upgrade Timing: Choose when additional attack efficiency is more valuable than extra loot variance.
Route Note: Pairs naturally with Grip Strength and Gym progression.

Luck

Loot
Focus: Improves the potential value of random loot and rare coin drops.
Best For: Builds that already destroy many piggy banks during each run.
Upgrade Timing: Add after basic attack and stamina problems are under control.
Route Note: Luck scales with the number of drop opportunities created during a run.

Rock Rain

Special Attack
Focus: Adds a special offensive effect that can help damage piggy banks beyond standard swings.
Best For: Faster clearing and builds moving into deeper skill tree upgrades.
Upgrade Timing: Purchase after the core build can consistently pay bills.
Route Note: Avoid rushing this branch when basic stamina or direct damage is still weak.

Electrified Hammers

Special Attack
Focus: Adds an electricity-based hammer upgrade to strengthen offensive runs.
Best For: Damage-focused builds and harder piggy bank encounters.
Upgrade Timing: Develop during the middle or later progression stages.
Route Note: Works best when supported by established physical upgrades.

Deeper Upgrades

Late Progression
Focus: Extends established branches with stronger permanent bonuses and specialized effects.
Best For: Players who can already pay routine bills without risking the collector.
Upgrade Timing: Buy only after the build has reliable damage, stamina, and income.
Route Note: Complete useful lower-cost upgrades before concentrating money in one expensive branch.

Recommended Early Route

Build Path
Focus: Grip Strength, followed by Caffeine, then a supporting physical upgrade.
Best For: New players attempting their first debt-free run.
Upgrade Timing: Use during the first several successful bill cycles.
Route Note: Add Luck after you can destroy enough piggy banks for additional drop chances to matter.

Recommended Damage Route

Build Path
Focus: Grip Strength, Gym, Wrist Power, then Rock Rain or Electrified Hammers.
Best For: Players losing too much stamina against durable piggy banks.
Upgrade Timing: Switch to this route when attack power is the main progression barrier.
Route Note: Keep at least one stamina-supporting investment in the build.

Recommended Loot Route

Build Path
Focus: Basic damage and Caffeine first, followed by Luck and deeper loot-supporting progression.
Best For: Players who already clear many targets but need more money per run.
Upgrade Timing: Use after basic combat efficiency is stable.
Route Note: Do not rely on Luck alone when too few piggy banks are being destroyed.

Bills Must Be Paid Piggy Banks and Loot Guide

Piggy banks are the main source of money and random rewards. The best target is not always the most valuable-looking one: each chase, missed swing, and unfinished piggy reduces the income produced by the current stamina bar.

Standard Piggy Banks

Core Target
Movement: Basic movement behavior that makes them the most dependable targets to approach and attack.
Difficulty: Low
Rewards: Random loot and money used for bill payments and upgrades.
Priority: 1
Strategy: Clear nearby standard piggies first to create reliable income without committing excessive stamina.

Fast-Moving Piggy Banks

Mobile Target
Movement: Harder to stay close to, increasing the risk of missed attacks and wasted pursuit time.
Difficulty: Medium
Rewards: Random loot after the piggy bank is successfully destroyed.
Priority: 3
Strategy: Attack when the piggy is close or moving through an easy interception path. Avoid long chases with low stamina.

Durable Piggy Banks

Durable Target
Movement: Their main threat is the additional effort required to finish them rather than simple access.
Difficulty: Medium to High
Rewards: Loot and money gained after completing the more demanding smash.
Priority: 4
Strategy: Attempt after improving Grip Strength, Gym, Wrist Power, or other damage-supporting upgrades.

Special Piggy Banks

Special Target
Movement: Behavior and value make them situational targets during stamina-limited runs.
Difficulty: Varies
Rewards: Special or more valuable random results.
Priority: 2
Strategy: Prioritize when the piggy is reachable and the build has enough stamina and damage to finish it safely.

Random Loot

Drop
Movement: Dropped around destroyed piggy banks and collected by moving through the reward area.
Difficulty: None after the target is destroyed
Rewards: Variable rewards that contribute to income and run progression.
Priority: 1
Strategy: Collect drops before moving to the next target so completed attacks always provide their full value.

Rare Coins

Rare Drop
Movement: Appears among random rewards and must be collected before leaving the area.
Difficulty: Dependent on obtaining the drop
Rewards: A more valuable coin result than ordinary run income.
Priority: 1
Strategy: Collect immediately and improve Luck only after the build can generate many loot opportunities.

Luck-Enhanced Drops

Build Interaction
Movement: Created through repeated piggy bank kills while using Luck-focused progression.
Difficulty: Requires enough damage and stamina to destroy many targets
Rewards: Improved potential from random loot and rare coin drops.
Priority: 5
Strategy: Use Luck as a multiplier for an already efficient build rather than as a replacement for basic attack power.

Low-Stamina Target Selection

End-of-Run Strategy
Movement: Focuses on nearby piggies that can be completed before stamina reaches zero.
Difficulty: Varies
Rewards: Final income collected before the run ends.
Priority: 1
Strategy: Do not begin a durable or distant piggy bank when the remaining stamina is unlikely to finish it.

Bills Must Be Paid Hammers Tier List

Every hammer balances power, speed, critical hits, and coverage differently. Fast, wide-radius options are the safest general farming choices, while heavy or critical-hit-focused hammers perform better against valuable single targets and specialized skill-tree builds.

S

Fast and Wide-Radius Hammers

Damage

Medium

Attack Speed

High

Crit Chance

Medium

Radius

High

Best For

Crowded piggy areasFast money farmingLoot-heavy runsGeneral progression

Build Synergy

Smashing-radius upgradesAttack-speed upgradesStamina-efficiency perksLuck and loot bonuses
Trade-off: Lower burst damage against a single high-value piggy than slower power-focused hammers.
A

High-Damage Critical Hammers

Damage

High

Attack Speed

Medium

Crit Chance

High

Radius

Low to Medium

Best For

Single-target piggiesCritical-hit buildsHigh-value targetsLow-swing farming routes

Build Synergy

Critical-hit chanceCritical damageDirect hammer damagePermanent hand upgrades
Trade-off: Strong individual hits but slower area clearing when several piggies are grouped together.
A

Ultra-Fast Narrow Hammers

Damage

Low to Medium

Attack Speed

Very High

Crit Chance

Medium

Radius

Low

Best For

Rapid single-target farmingAttack-speed buildsQuick cleanupFrequent perk activation

Build Synergy

Attack-speed bonusesOn-hit effectsCritical-hit chanceFast loot collection
Trade-off: Requires more positioning and more individual swings when piggies are spread across a large area.
B

Heavy Wide-Radius Hammers

Damage

High

Attack Speed

Low

Crit Chance

Low to Medium

Radius

High

Best For

Dense piggy clustersDamage-per-swing buildsStamina-conscious runsCrowd opening attacks

Build Synergy

Raw damage upgradesRadius upgradesStamina preservationBill-first farming routes
Trade-off: Slow recovery makes missed swings expensive and reduces performance against scattered targets.
B

Balanced All-Round Hammers

Damage

Medium

Attack Speed

Medium

Crit Chance

Medium

Radius

Medium

Best For

Beginner runsMixed piggy layoutsFlexible perk choicesEarly skill-tree progression

Build Synergy

Balanced skill-tree pathsMoney bonusesLuck upgradesGeneral stamina upgrades
Trade-off: Reliable in every situation but does not match specialized hammers in their strongest farming scenario.
C

Slow Narrow Power Hammers

Damage

Very High

Attack Speed

Low

Crit Chance

Medium

Radius

Low

Best For

Isolated valuable piggiesMaximum-hit buildsDamage challenges

Build Synergy

Maximum damageCritical damageSingle-target bonuses
Trade-off: Poor coverage and slow attack speed make this profile inefficient for routine money farming and crowded rooms.

Bills Must Be Paid Bankruptcy and Debt-Free Guide

The long-term objective is not simply to smash every piggy bank. You must keep enough cash available for each approaching bill, avoid wasting stamina, recover through bankruptcy progression, and use permanent upgrades to make every new run more reliable.

1

Check the Current Bill and Deadline

Objective: Identify the amount due and how much farming time remains before spending money elsewhere.

Actions

  • Treat the bill amount as reserved money
  • Check the deadline before buying upgrades
  • Build a small safety margin above the required payment
Result: You avoid entering the final part of the deadline with insufficient cash.
2

Farm the Most Efficient Piggies First

Objective: Convert limited stamina into enough money to cover the bill and preserve a reserve.

Actions

  • Prioritize nearby or grouped piggies
  • Use wide-radius hammers in crowded areas
  • Use high-damage or critical hammers on valuable isolated targets
  • Collect dropped loot before moving to the next group
Result: More of each stamina bar is converted into useful money and loot.
3

Pay the Bill Before Optional Spending

Objective: Remove the immediate deadline before investing in temporary progression.

Actions

  • Pay as soon as the required amount is safely available
  • Avoid gambling reserved bill money on risky mechanics
  • Spend only the remaining surplus on the skill tree
Result: Collector pressure is removed and the run can continue safely.
4

Choose a Perk That Protects the Next Cycle

Objective: Use the three-choice perk reward to strengthen money generation, stamina efficiency, damage, radius, or survival.

Actions

  • Choose stamina efficiency when farming time is the main problem
  • Choose damage or critical bonuses when piggies require too many swings
  • Choose radius or speed when crowded areas slow progress
  • Choose luck and money bonuses after the basic bill loop is stable
Result: The next bill cycle becomes faster and less dependent on favorable loot.
5

Handle Collector Pressure and Bankruptcy

Objective: Limit the damage from a missed deadline and prepare the next run instead of wasting remaining resources.

Actions

  • Stop optional purchases when a deadline becomes difficult
  • Focus entirely on the outstanding bill
  • Use the bankruptcy system to convert failed-run progress into long-term progression
  • Review which stat caused the failure before restarting
Result: A failed run still contributes toward stronger future attempts.
6

Invest Prestige or Legacy Progress

Objective: Purchase permanent improvements that remain useful across repeated runs.

Actions

  • Prioritize permanent hand upgrades that improve basic smashing performance
  • Use rings and bracelets to support the selected build
  • Improve reliable money and stamina stats before risky bonuses
  • Avoid spreading permanent resources across too many unrelated upgrades
Result: Early bills require less time and fewer swings on the next attempt.
7

Add Risk Mechanics Only After Stabilizing

Objective: Use high-risk money systems without putting the next mandatory payment in danger.

Actions

  • Separate bill money from spending money
  • Use risk mechanics only with surplus cash
  • Stop immediately when the reserve falls near the next bill amount
  • Support risky runs with permanent accessories and money-focused perks
Result: Risk becomes an acceleration tool rather than the main cause of bankruptcy.
8

Complete the Debt-Free Progression

Objective: Chain successful bill payments, permanent upgrades, and efficient farming until all debt is cleared.

Actions

  • Repeat the safe bill-first loop
  • Upgrade the weakest part of each failed run
  • Use later runs to combine stronger hammers, perks, accessories, and skill-tree bonuses
  • Clear the remaining debt to reach the complete ending
Result: The character finishes the progression without outstanding debt.

Bills Must Be Paid Stamina and Money Farming Guide

Stamina limits how many useful actions can be completed before the next bill. Choose targets that match the current hammer, clear groups with as few swings as possible, and stop spending once the reserved payment is at risk.

Bill-First Farming Route

Essential
Best For: Every run

Farm only until the current bill and a small safety reserve are secured, then pay before purchasing optional upgrades.

Recommended Stats

Stamina efficiencyReliable damageAttack speed

Steps

  1. 1.Read the bill amount
  2. 2.Set the required money aside
  3. 3.Farm nearby efficient targets
  4. 4.Pay before entering risky systems
Avoid: Using mandatory bill money for temporary upgrades or chance-based rewards.

Crowded-Area Radius Farming

High
Best For: Rooms containing several closely positioned piggies

Use a wide smashing radius to damage or break multiple piggies with the same attack.

Recommended Stats

Smashing radiusAttack speedArea damageLoot value

Steps

  1. 1.Move until several piggies overlap the attack area
  2. 2.Swing from the center of the group
  3. 3.Collect all drops before leaving
  4. 4.Avoid spending extra swings on poorly positioned targets
Avoid: Chasing isolated low-value piggies with a slow area hammer.

Fast-Hammer Farming

High
Best For: Scattered piggies and rapid cleanup

Use high attack speed to reduce waiting between swings and quickly move through single targets.

Recommended Stats

Attack speedCritical-hit chanceMovement efficiencyOn-hit perks

Steps

  1. 1.Target the closest piggy
  2. 2.Finish each target before moving
  3. 3.Collect loot during movement
  4. 4.Combine speed with critical-hit bonuses to offset lower base damage
Avoid: Using repeated low-damage swings on targets better suited to a heavier hammer.

Damage-per-Stamina Farming

High
Best For: Runs where stamina is the main bottleneck

Favor strong hits that reduce the number of swings required to break each selected piggy.

Recommended Stats

Hammer damageCritical damageStamina efficiencyPermanent hand power

Steps

  1. 1.Skip low-value targets outside the route
  2. 2.Select piggies that can be finished in few swings
  3. 3.Use critical-hit perks to increase burst damage
  4. 4.Stop when the remaining stamina cannot produce meaningful profit
Avoid: Spending several swings on a target whose expected reward does not support the next bill.

Critical-Hit Money Build

Situational
Best For: High-value single targets and damage-focused skill trees

Stack critical-hit chance with hammer damage so occasional powerful hits reduce total smashing time.

Recommended Stats

Critical-hit chanceCritical damageBase hammer damageLuck

Steps

  1. 1.Choose critical perks when the current hammer already has useful damage
  2. 2.Target valuable piggies first
  3. 3.Support inconsistent critical hits with reliable base damage
  4. 4.Keep enough stamina for non-critical outcomes
Avoid: Relying entirely on critical hits while ignoring basic damage and bill reserves.

Luck and Loot Farming

Situational
Best For: Stable runs with enough damage and stamina

Increase luck and loot value after the core smashing loop is already efficient.

Recommended Stats

LuckLoot valueAttack speedSmashing radius

Steps

  1. 1.Secure the current bill first
  2. 2.Choose luck perks when basic damage is sufficient
  3. 3.Clear large groups to create more loot opportunities
  4. 4.Collect every drop before changing areas
Avoid: Taking luck upgrades while basic piggies still consume too many swings.

Safe Risk-Money Strategy

Late Run
Best For: Runs with surplus cash beyond upcoming bills

Use risky money mechanics only after separating the next required payment from disposable funds.

Recommended Stats

Money generationPermanent accessoriesBill reserveRecovery bonuses

Steps

  1. 1.Reserve the complete bill amount
  2. 2.Set a fixed surplus limit
  3. 3.Stop after reaching the limit
  4. 4.Move profits into reliable upgrades
Avoid: Trying to recover a loss by spending the protected bill reserve.

End-of-Route Stop Rule

Essential
Best For: Preventing stamina and cash waste

End the farming route once the next target requires excessive travel, too many swings, or threatens the bill deadline.

Recommended Stats

Stamina awarenessDeadline managementTarget selection

Steps

  1. 1.Check remaining stamina
  2. 2.Compare the next piggy with the time left
  3. 3.Collect nearby loot
  4. 4.Return to bill payment or upgrade management
Avoid: Continuing to smash simply because unused targets remain.

Bills Must Be Paid Demo and Full Game Differences

Bills Must Be Paid can be played through free browser releases and a separate Steam demo application. The full Steam game uses its own Steam app and contains the complete progression structure designed around repeated runs, permanent upgrades, and becoming debt-free.

Access

Browser Versions
Free browser play through supported game portals and the official web version
Steam Demo
Free Steam application with app ID 4577620
Full Steam Game
Paid full release with Steam app ID 4421010

Release Scope

Browser Versions
Introduces the active incremental gameplay loop
Steam Demo
Standalone preview of the Steam experience
Full Steam Game
Complete game released on July 29, 2026

Core Gameplay

Browser Versions
Smash piggy banks, collect random loot, manage stamina, and pay bills
Steam Demo
Includes the same central smashing, loot, stamina, and bill-payment systems
Full Steam Game
Contains the complete loop with expanded progression and an ending

Perks and Skill Tree

Browser Versions
Provides access to the basic perk and upgrade loop available in the free build
Steam Demo
Demonstrates perk choices and skill-tree spending
Full Steam Game
Expands the available perks, upgrade combinations, and long-term build options

Piggies and Loot

Browser Versions
Contains a limited selection of piggies and random rewards
Steam Demo
Provides a preview selection of targets and loot
Full Steam Game
Adds more piggies, loot opportunities, and progression targets

Hammers

Browser Versions
Includes hammer-based smashing and basic stat progression
Steam Demo
Allows players to test hammer damage, speed, critical hits, and radius mechanics
Full Steam Game
Contains a larger hammer selection supporting specialized skill-tree builds

Bankruptcy and Prestige

Browser Versions
Focuses on the introductory bill-payment loop
Steam Demo
Previews the consequences of failed bill management
Full Steam Game
Includes the complete bankruptcy and prestige or legacy progression used across repeated runs

Permanent Progression

Browser Versions
Limited to the progression included in the free version
Steam Demo
Introduces upgrades without the full long-term progression scope
Full Steam Game
Adds permanent hand upgrades, rings, bracelets, and run-to-run character growth

Desk Gadgets and Risk Mechanics

Browser Versions
Contains the free version's available support systems
Steam Demo
Provides a limited preview of secondary mechanics
Full Steam Game
Expands desk gadgets and risky money mechanics used to accelerate or endanger a run

Ending

Browser Versions
Designed around replaying the available free content
Steam Demo
Ends after the preview progression
Full Steam Game
Includes the complete debt-free objective and final ending

Platform and Requirements

Browser Versions
Runs inside a supported modern desktop web browser
Steam Demo
Windows PC through the separate Steam demo application
Full Steam Game
Windows PC through the full Steam application

Save Considerations

Browser Versions
Browser progress is stored separately from Steam installations
Steam Demo
Uses the separately installed Steam demo app
Full Steam Game
Uses the full game's separate Steam app and supports its complete progression and Steam features

Best Choice

Browser Versions
Best for quickly trying the core loop without installing the full game
Steam Demo
Best for testing the Steam version before purchasing
Full Steam Game
Best for bankruptcy progression, permanent builds, expanded content, achievements, and reaching the ending