RPG Maker Forums

Before I get into my banking system and how it functions, I MUST explain something to detail the reason as to WHY I use this type of system. Most people would say that's broken or CRAZY to do, until they hear as to why I did it.

Money in my game is extremely hard to get. I stress the word "extremely"! In the beginning of the game, you can buy the second cheapest weapon, the Short Sword. It costs 650. However, there are only 3 different monsters to fight in the area and only 1 of them provides you any gold at all for a victory. Do you know how much gold you get for beating it? 1..... You get 1 gold. The next cheapest weapon is a Long Sword, which takes a Short Sword and an Iron Ingot to craft it. The Iron Ingot costs 500. So to get a long sword, you have to grind your way up to 1150 gold for a simple +3ATK -1SPD. However, there are jobs in my game as well. You can go to the station to request 1 of 4 job classes and each class has 4 different jobs to chose from, each of them offering slightly more gold than the last because it is after all, slightly harder to complete. Do you want to know the maximum payout for the hardest job at the first station is? 35 gold. That's right.... three-five!

So now that we have established that even the crappiest of crap in my game is overpriced, and that you have to grind just to afford garbage tier equipment, we can explain my banking system! This system takes what would otherwise make you furious and turns it into a plethora of shiny over time!

My bank of course has the same 2 functions as everyone else's bank. You can deposit money and you can withdraw what you deposit. However, there is an additional option. You can pay 500 gold to gain 1 savings account at the bank. Also, you can pay 5000 gold to purchase a second savings account which is twice as effective as the first savings account. What do these savings accounts do you might ask? Simple, it gives you free money for absolutely no work! Don't get your panties in a bunch though, it's not going to quadruple your money in 10 minutes! The system works on a night and day system tethered by 2 switches and 3 common events. Basically, when the timer reaches 0:0:0 while the Night Time switch is on, the bank will add money to your savings account, if the savings account switch is turned on (meaning if you purchased the savings account). "How much money do you get in your account?" you ask? Simple, I'll provide the formula right below for both accounts.

Savings Account 1 Gains = Main Bank Account Amount / 20 = total.

Savings Account 2 Gains = Main Bank Account Amount+ Savings 1 Amount / 10 = total.

So imagine it like this. You have 100 gold in your main bank account. Night crosses over to day and the savings account 1 switch triggers. You gain 100 gold / 20. So you will have 5 gold added to your savings 1 account. If you have 200, you will have 10 gold added instead. So as you can see, it's not something that instantly pays for itself and some. You have to give it time to pay you back for buying the account and then give it time to accumulate any real amount of money you can work with.

Now, let's go to the seconds savings account. Main Account + Saving 1 / 10. Let's say you 1000 gold in your main account and 400 gold in your savings account 1. Your total is 1400 which is then divided by 10 which comes to 140. You will have 140 dollars added to your savings 2 account, then the savings 1 switch will trigger afterward since that is how I have it written. So first, gain 140, then gain 1000/20 which is 50. You will gain a total of 190 gold at the end of the equation. Is this easy for you to understand?

What do you guys think about the night and day system and using it to create a bank that gives you interest based money for depositing your earnings? Also, what do you think about the math formulas I have created to determine how much you will earn each day?