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This article may contain outdated information that is inaccurate for the current version of the game. It was last updated for 1.7.

Economy is a menu that shows information about the city's income and expenses and allows the player to adjust taxes and budget and take loans.


The player can adjust taxes for all the different zones separately from 1% to 29% (the default tax rate is 9% for all zones). Residents and businesses start to protest if taxes are raised above 13/14% for too long, but a short tax hike is a good way of earning some quick cash if you don't want to take out another loan. Maintaining tax rates below 5% for a short amount of time is necessary to unlock some unique buildings, but it will cause a decrease in money earned.


Budget vs service level graph.png

The budget of services can be set anywhere between 50% and 150%.

At 50%, services will operate at only 25% effect, and at 150%, services will operate at 125% effect. In general services should be running as close to 100% as possible.

The equation for service level L with budget percentage B is

For B < 100

 L = (B/10)^2\,\!

For B > 100

 L = 3B-(B/10)^2-100\,\!

This function has its maximum at 150%, so the last 5 percentage point increase in budget only results in a 0.2% increase in the service level.

Services will increase their service capacity (trash trucks, police cars, student capacity, etc.) if the budget is increased, or decrease their service capacity if the budget is decreased. This also applies to utilities such as water pumps and power plants.

Decreasing the budget of a service will reduce the capacity, which can be beneficial if that service is providing a large excess versus what is needed.


The first loan is unlocked after the first milestone, and two more at later milestones.

You can only have three loans at once. Loans can be repaid instantly with no extra cost for you.

Loan Unlocked Amount
Payment plan Interest Weekly cost
Silver Sunset Bank Little Hamlet 20,000 52 Weeks 5% 403.85 21,000
Global Credit Inc. Worthy Village 60,000 260 Weeks 10% 253.85 66,000
Pyramid Capital Grand City 200,000 520 Weeks 15% 442.31 230,000