Capitalize

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.

Contents

• 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.