The Provider
Simulation
Free · Designed for iPad. Not verified for macOS.
You didn't pick the hand you were dealt. You get six hundred months to make something of it — work, debt, property, a business, a family. One month at a time.
You are eighteen. You have two hundred dollars, no degree, and rent is due in thirty days.
Or you have a trust fund, $800 a month for life, and a family that burns its people out by forty.
You didn't pick. Nobody picks. That's where The Provider begins.
From here you get one month at a time, about six hundred of them. Take the shift or take the class. Rent or buy. Pay down the card or put it in the index fund. Then you press End Month — the paycheck lands, the bills come out, and the receipt tells you exactly what your choices were worth. The receipt never flatters you.
WORK YOUR WAY UP
Start on the fast-food line at $12 an hour and climb. Or go to trade school at night and come out a licensed plumber with your name on the trucks. Or grind through medical school and spend a decade underwater before the money ever turns. Seventeen jobs, five trades, degrees from associate to master's, and licensing exams you can genuinely fail.
MONEY THAT BEHAVES LIKE MONEY
Index funds and individual stocks. A 401(k) with an employer match you'd be foolish to leave on the table and an early-withdrawal penalty that shows you the full damage before you confirm. Mortgages, refinancing, property taxes. Credit-card interest compounding against you roughly ten times faster than the market compounds for you. Crypto, if you're feeling brave. Two hundred a month from age eighteen is six figures by your mid-forties; start at thirty and you finish with barely half. The early dollars do the heavy lifting. That's the whole game.
BUILD SOMETHING
Fifteen kinds of business, from a $3,000 food cart to a craft brewery, a dental practice, a boutique hotel, a minor-league ball club. Hire people. Underpay them and watch them leave in the middle of a recession. Set prices, run marketing with honestly diminishing returns, survive inspections and the competitor across the street. Build a reputation until you earn a real brand — Beloved, Household Name, or Everywhere — each one a different bet. Then promote a veteran to manager and finally work ON the business instead of in it. Fair warning: ownership is a stress engine, heavier than most jobs.
A LIFE, NOT A SPREADSHEET
Ten states, each a genuinely different game. No income tax in Texas. Hurricanes in Florida — insure the house, seriously. California pays top of market and takes it back in rent. Ohio has the cheapest homes in the game and the most honest work.
Around all of it: a partner, kids, friends who drift if you never call. Kids cost a fortune and are the best investment in the game — one in five has a business spark, and when they pitch you at sixteen, listen. Stress compounds into burnout. Pets pass. Some things you cannot buy your way out of.
51 SCENARIOS
Fixed puzzles with medals to earn. Inherit a dying restaurant with a furious underpaid crew and six grand of debt. Build a company to $250,000 with no loans, no investors, no credit cards — every dollar of growth from a customer. Twenty rental doors. Dig out of an avalanche of debt. Raise two kids on one income and put them both through college. Gold, silver, bronze, and a clock running.
THE ENDING YOU EARN
You don't retire at an age. You retire when the money will outlast you. Then comes the accounting: net worth, dividends collected, children raised, people still close to you at the end — and a grade from D to S. Your best lives go up on the leaderboard.
YOUR WORLD, YOUR RULES
Turn off layoffs, hurricanes, medical emergencies, scams, gambling content, even inflation. Every hardship you remove cuts your final score, and customized runs are marked. The top of the board belongs to the hardest hand, played on Hard, with nothing switched off.
Plus 100+ achievements, ten save slots, and a difficulty setting that's honest about what it's worth.
No ads. No accounts. No internet required. Nothing ever leaves your phone.
Fiction, not financial advice.
Ratings & Reviews
The developer, Kevin Petersen, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
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Information
- Seller
- Kevin Petersen
- Size
- 7.8 MB
- Category
- Simulation
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
13+
- 13+
- Contains
User-Generated Content
- Copyright
- © 2026 Kevin Petersen