Debt Clicker

Most clickers make you rich. Debt Clicker makes you owe.
Click your credit card. Borrow money. Spend it on everything. Every purchase goes straight onto your balance, and your balance only goes one way: down.

Borrow, spend, repeat

You start in an empty rented room with a TV that can't find a signal. Click the card to borrow, then spend it on bills that charge you every second: a Streaming Subscription, a Gym Membership, Buy Now, Pay Later. The more you owe, the more the bank lets you owe.

Open every card in the mail

New credit cards arrive in envelopes. Tear them open by hand and watch the card fly out. 59 cards to collect, each one bending the rules of your debt.

The Credit Tree

One tree of 421 upgrades grows across all ten worlds. Buy its boxes to multiply your bills and raise your helpers, sign clauses and live with their fine print, and see exactly how much faster you sink before you pay.


Catch the bursts when they shine: CASH RAIN, CLICK FRENZY, and SOLAR FLARE, where every borrow counts ×777.

A new world, a new card

Sign the papers and your next life arrives by cargo. Ten worlds: a broke apartment, student and car loans, a house you can't afford, a penthouse you only lease, a company bought on credit, planet Earth as collateral, a colony on Mars, the Sun with 0% down, a black hole with a drive-thru bank, and finally Reality itself.

Hire help. Then automate everything.

A stranger's arm swipes your card. A dwarf mines it with a pickaxe. Cats catch the CASH RAIN for you. The Autopen signs the tree's boxes while you watch, and from the boardroom on, camera drones laser your card open from across the room. Raise them all in the Credit Tree.

How deep can you go?

• 10 ink-drawn worlds, from a broke apartment to Reality
  
• 40 bills, from a Premium Ramen Meal Plan to an Existence Subscription
  
• 59 credit cards in envelopes you tear open
  
• 27 loans to sign: Student Loan, Mortgage, Yacht Financing, Earth Mortgage, Sun Mortgage, Loan Against Tomorrow and more
  
• A Credit Score from 300 to 850 that the big loans check
  
• The Credit Tree: 421 upgrades over 10 worlds, clauses, and bursts up to ×777
  
• Five helpers that work for you: The Card Processor, The Dwarf Miner, The Cat, The Autopen and The Drones
  
• 95 upgrades in the mail and 60 in-game achievements
  
• Numbers so big they turn into Countries, Worlds, Suns, Galaxies and Universes
  
• Minimize the game and keep clicking: a small window keeps your card in the corner of the screen
  
• About 7 hours from the first dollar to The Last Card
  
• No ads, no microtransactions

Debt Clicker is a satire. This is not financial advice.