Too Big to Fail Bank Tycoon

Run a bank from $1M to $1 trillion. Set rates, underwrite loans, survive recessions and bank runs, and chase 18 achievements. Free to play.

Build a banking empire — and try not to become the next headline.

Too Big to Fail is a deep banking simulation where you run every side of a bank: set deposit rates to attract savers, underwrite loans by credit score, manage an investment portfolio, and navigate booms, recessions, and the occasional bank run.

Start with $1M in equity. Hit $10M within five years to clear your first milestone — then keep going in Endless Mode and chase the ladder all the way to $1 trillion. The bigger you get, the more regulators watch you: capital requirements rise, systemic risk events start firing, and "too big to fail" stops being a goal and starts being a problem.

FEATURES

• Set your own deposit rate and compete against a rival bank for customers • Underwrite loans by credit score — high scores are safe, low scores pay more but default • Manage a T-Bills / Bonds / Equities investment portfolio through market cycles • Acquire failing banks (and even buy out your rival) for instant scale • Buy business ventures — insurance, payments, real estate — for steady income • Survive recessions, regulatory fines, and bank runs • 18 unlockable achievements and a peak-equity leaderboard • Escalating "Too Big to Fail" difficulty as your bank grows into the billions • Save & resume — pick up right where you left off

No pay-to-win mechanics in this build. No ads. Just you, a balance sheet, and the discipline to not get too greedy.