The Provider
Simulation
Free · Designed for iPad. Not verified for macOS.
Rent is due, your car just died, and your partner wants to talk about kids. Every month is a choice. Build a life that holds up. No ads, no purchases, fully offline.
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
What’s New
This update fixes the bug where you couldn’t get married, buy a home or buy a car, plus dozens of other fixes and improvements.
FIXED: “NOT ENOUGH HOURS”
After saving and reloading, the game said you didn’t have enough hours to get married, buy a home, buy a car and more, no matter how many hours you had. That’s fixed, and old saves are repaired automatically.
FASTER LIFE EVENTS
Weddings take half the time: 2 hours at the courthouse, 6 for a backyard or full production.
Buying a car now takes 4 hours, and buying a home takes 6.
Squeeze it in: if your month is full, you can still get married or buy a home or car. The missing hours cost you stress instead.
SEE WHERE YOUR HOURS GO
Tap the Free Time bar to see exactly what’s using your month: your job, kids, classes, your company and more.
When something doesn’t fit, the game shows how many hours it needs, how many you have, and how to free some up.
MONEY THAT ADDS UP
Rental houses now pay their rent, and vacancies cost you.
Rent split with a partner or roommate is now counted correctly. Roommates now pay half the rent.
Investors take the share they agreed to, and selling a company now pays off its loans.
Insurance costs what you picked, disability cover is billed, and franchise royalties are no longer counted twice.
Home prices, mortgages and engagement rings now rise with inflation.
Fixed several charges that showed on your receipt but never came out of your account.
MORE FIXES
Closing the app on the end-of-month receipt no longer replays the month.
Leasing a car while you already own one no longer erases it.
Selling your home clears everything that belonged to that house.
Changing jobs keeps your experience, one rung below where you were.
“Sell & go” when moving states, the investing performance screen and practice tax filing now work.
Seasonal park events follow the real calendar, and Spring Kite Day is here.
Three business campaigns that did nothing (reposition, referral, sponsor) now work.
Each company keeps its own money manager.
The family diner job now has promotions and raises.
Your life story shows the right jobs, promotions, children and home.
Several messages no longer overwrite each other, so you see them all.
NEW: REPORT A PROBLEM
Found a bug? Tap Report a problem in the menu. It opens your email with your save attached, and nothing is sent unless you tap Send.
Thanks for playing, and for the bug reports that made this update happen.
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
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Kevin Petersen
- Size
- 7.9 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