Capitalize

From 18 to retirement — build your wealth

Capitalize is a financial life sim: job, budget, housing, broker, business… and time working for you (or against you).

Learn the long game by playing — compound interest, diversification, the 4% rule, DCA, company treasury, going public — no boring lectures, with a real life to steer.

What you manage

• Budget & bank — income, expenses, priorities, safety net
• Career & training — apply, skill up, change trajectory
• Housing — rent or buy, costs, real-estate wealth
• Broker — ETFs, stocks, bonds, gold & commodities, scheduled DCA (multi-plan)
• Business — launch ventures, cash flow, dividends, treasury, company health; in realistic mode, IPOs and employee equity
• Vehicles & daily life — transport, breakdowns, theft, surprises, constant trade-offs

Local game modes

Four ways to play outside online rankings:

• Guided tutorial — tour the apps and one year-end report, learn without pressure
• Year by year — broader pace, ideal for the big picture
• Month by month (normal run) — every month counts: budget, markets, decisions
• Realistic (month by month) — the same pace with more hazards (breakdowns, life events, health, tougher markets…)

Online Career

A mode separate from local runs: permanent profile, runs to retirement, dedicated leaderboards.

• Normal run (month by month) — net worth & financial independence (FI) age boards
• Realistic (month by month) — dedicated board, harsher conditions
• Seasons (S1, then S2…) and live tops

End of run & sharing

• Retirement bilan: net worth, compounding, 4% rule, wealth curve
• Capture and share your bilan (image clipboard, Steam, Discord…)
• Local scoreboard + online career

Built to teach

• Educational simulation — not personalised financial advice
• In-game documentation (ETFs, DCA, 4%, diversification, business, IPO, company health…)
• Guided tutorial to learn the apps
• Life events and choices that hit mood, health and cash (especially in realistic mode)

Who is it for?

• Anyone curious about budget, markets and wealth
• Fans of chill-but-deep management / life sims
• Streamers & players who love optimising a life over decades

Capitalize — JL Games Studio (Switzerland). Build your financial empire… one month (or one year) at a time.