Games / Finanza
Finanza
Learn. Earn. Grow.
One whole working life, from age 20 to 65. Educate to earn more, innovate to create, invest to grow, and enjoy life without overspending. Whoever can retire earliest, with money that lasts and a happy life, wins.
- 2–4 players
- Computer, pass and play or online
- Ages 8+
- Pretend money, no betting
What it is
Finanza is a board game about how real wealth is built. Every game is one whole working life: everyone starts at age 20 with the same pretend money and travels around a board of Invest, Innovate, Educate and Enjoy squares until they are 65. Every time you pass Start you get paid for the years since your last payday: your salary minus living costs, plus whatever your investments have grown.
Time is money. Studying, building an idea or burning out all take years with no pay, so every choice shows what it costs in time. Your 20s are the learning years, your 30s and 40s are when pay peaks, and in your 50s pay levels off and catching up gets expensive. At 65 each player finds out if their money will last: you can retire, your money runs out early, or you have to keep working. Fun matters too: skip it all and your Wellbeing drops, and only players who stay happy can win. Kids mode tells the same story in plain words, with money quizzes instead of world events. All money in Finanza is pretend and there is nothing to buy.
Screenshots
How to play
Roll and move
Roll two dice and move around the board: your age goes up as you go. Passing Start is payday for every year since the last one: salary by education and age, minus living costs, plus investment growth and rent. Loans grow 8% a year.
Educate and innovate
On Educate, study the next level (a Bachelor's degree takes 4 years with no pay, but raises your salary for life) or answer a money quiz. On Innovate, build your idea in 1 to 3 years, or keep your day job. Ideas earn more the more you have studied.
Invest and enjoy
On Invest, buy one of two investments or pass: money invested young has the longest to grow. On Enjoy, say yes for Wellbeing or skip it. Watch out for fun paid with loans.
Retire wisely
Meditate corners bring world events like crashes and inflation. At 65 you retire. When everyone is 65, each player sees whether their savings can pay their living costs until 90. Whoever could retire earliest with money that lasts wins, among players with Wellbeing 4 or more.
Ways to play
Against the computer
Four computer styles to learn from: Balanced, Scholar, Investor and Spender. Watch which strategy wins.
Pass and play
Up to four people on one phone or tablet. A short game (3 laps) or a full game (5 laps): both run from age 20 to 65.
Online with friends
Open a table and send the link or the 6-letter code. Up to four players, each on their own phone, and the computer fills empty seats.
Ready to play?
Finanza opens right here in your browser. No account, no download. Friends can join from their own phones with a link.