Savings & interest

A savings account is a second account, separate from a player’s personal balance, that earns interest on the money kept in it (personal accounts never do). Each savings account holds a tier that sets its rate, its balance cap, and how much can move in or out per day. Players open and upgrade savings from the bank app. Everything here is in config/tiers.lua.

The settings

Option	What it does	Default
`enabled`	Master switch. `false` turns savings interest off entirely and nothing else in the file matters.	`true`
`interestInterval`	How often each tier’s rate is applied - `'hour'`, `'day'`, or `'month'`.	`'day'`
`defaultTier`	The tier a new savings account starts on. Must match the `id` of one of your tiers.	`'standard'`

Each tier’s rate is applied once per interval, capped by its maxBalance. So with interestInterval = 'day' and rate = 0.002, a savings account earns 0.2% of its balance every day.

Tier fields

Each entry in the tiers list supports these fields:

Field	What it does
`id`	Internal name. Keep it unique.
`label`	Name players see in the app, e.g. Premium.
`enabled`	`false` hides this tier from the New Account picker.
`minCredit`	Minimum credit score needed to pick this tier. Credit comes from Loans & credit.
`cost`	One-time price to unlock. `0` is free.
`rate`	Interest earned per interval, as a decimal - `0.006` is 0.6%.
`maxBalance`	Hard cap on the balance. `0` means unlimited.
`dailyDeposit`	Most a player can deposit per day. `0` means unlimited.
`dailyWithdraw`	Most a player can withdraw per day. `0` means unlimited.
`description`	Short blurb shown next to the tier in the app.

Example tier

config/tiers.lua

{
    id            = 'premium',
    label         = 'Premium',
    enabled       = true,
    minCredit     = 400,      -- needs a 400+ credit score
    cost          = 10000,    -- $10k to unlock
    rate          = 0.006,    -- 0.6% per interval
    maxBalance    = 500000,   -- holds up to $500k
    dailyDeposit  = 150000,
    dailyWithdraw = 75000,
    description   = '0.6% daily. Holds up to $500k.',
},

The shipped file includes three tiers - Standard (free, no credit), Premium, and Elite - each with a higher rate, higher cap, and steeper credit and cost requirements. To add one, copy a block, give it a new id, and set its gates.

If you run the tax engine with interest set as taxable, interest payouts are taxed. See Tax.

Get Started

Awoken Scripts

The settings

Tier fields

Example tier

​The settings

​Tier fields

​Example tier

The settings

Tier fields

Example tier