Okay, let's cut to the chase. You're here because you're tired of your Sims eating cereal for every meal while living in a shoebox, right? That grind for Simoleons gets old fast. Whether you want to build a mega-mansion without working 12 Sim-days straight, or just focus on chaotic storytelling without budget constraints, figuring out how to get unlimited money on Sims 4 is a game-changer. I've spent... way too many hours in this game, testing every trick, cheat, and mod. Some worked great, others crashed my game spectacularly (RIP that legacy save file). This guide strips away the nonsense and gives you exactly what works, the risks involved, and how to choose the best method for YOU. Forget those vague tutorials – we're diving deep into the specifics.
Why Unlimited Simoleons Changes Everything (Seriously)
Look, the core gameplay loop of Sims 4 involves work, promotions, and bills. Fun sometimes, sure. But when your fifth-generation heir still can't afford that rooftop pool? Soul-crushing. Getting unlimited money flips the script:
- Build Without Tears: Place that $50,000 statue without selling your Sim's bed.
- Story Freedom: Wanna run a broke artist narrative Monday and switch to billionaire mogul Tuesday? Done.
- Skip the Grind: No more forcing Sims into boring careers just to pay the bills.
- Experiment Freely: Test crazy lot ideas or buy every expansion pack item guilt-free.
I remember spending real-world *days* trying to earn enough for a fancy penthouse. Once I figured out reliable ways to get unlimited money on Sims 4, the game actually got more fun. Less spreadsheet, more drama.
The Cheat Console: Your Instant Cash Injection
The OG method. Simple, fast, and requires zero downloads. Perfect if you just need cash now. Here’s the step-by-step nobody seems to explain clearly:
Activating & Using Money Cheats
- Open the Cheat Console: Press `Ctrl + Shift + C` (PC) or `All Four Shoulder Buttons` (Xbox/PS) simultaneously. That little text box appears top-center.
- Enable Cheats: Type `testingcheats true` and hit Enter. You'll see "Cheats Enabled" pop up.
- Enter the Money Command: Type one of these:
- `motherlode`: Instantly adds §50,000 to your household funds.
- `kaching`: Adds a quick §1,000.
- For Exact Amounts: Type `money [amount]`. Want exactly §2,500,000? Type `money 2500000` (no commas!).
- Close the Console: Press `Ctrl + Shift + C` or the console button combo again.
| Cheat Command | Amount Added | Best For | My Experience |
|---|---|---|---|
| kaching | §1,000 | Quick bills fix | Too small, rarely worth it |
| motherlode | §50,000 | Decent cash boost | Hit it 20 times for a mansion, tedious |
| money [X] | §Exactly X | True unlimited money | The ONLY way I use cheats now |
Heads Up: Using ANY cheat disables achievements/trophies for that game session! Save before cheating if you care. Also, typing `testingcheats true` every time you load your save gets annoying. I wish they'd just remember it.
Mods: Power (and Risk) in Customization
Cheats feel... basic. Mods offer deeper control and automation for getting unlimited money on Sims 4. But choose wisely – bad mods break saves. Here are the *actually* reliable ones I've tested extensively:
MC Command Center (Deaderpool)
The Swiss Army knife of Sims mods. Getting unlimited money is just one tiny feature.
- How It Works: Click any computer > MC Command Center > Household > Money Cheats > Set Household Funds.
- Cool Feature: Set specific amounts OR make funds static (never decrease).
- Where to Get: Deaderpool's official site (Google it, trust ONLY that source).
- My Take: Essential even beyond money cheats. Updates fast with patches.
UI Cheats Extension (Weerbesu)
Brilliantly simple. No typing, just click.
- How It Works: Hold Shift and click directly on your household funds number in the UI. Type the amount. Done.
- Cool Feature: Also lets you cheat needs, skills, relationships by clicking UI elements.
- Where to Get: Weerbesu's official site (Patreon).
- My Take: My personal favorite for sheer speed. Feels like magic.
Money Tree Reward (Base Game)
Not technically a "mod," but feels like one.
- How It Works: Earn 5,000 Satisfaction Points (complete Aspirations/Wants) > Buy "Money Tree" reward > Plant it > Harvest §10,000+ daily.
- Cool Feature: It's legit (no cheats/mod warnings)!
- My Take: Slow to set up, but feels "earned." Great for legacy players wanting unlimited-ish money later.
Mod Safety 101 (Learned the Hard Way):
- Source Matters: Only download from official creator sites (ModTheSims, official Patreons) or CurseForge. Random blog links? Sketchy.
- Updates Break Mods: Every Sims 4 patch will likely break mods. Check creator pages/news before updating your game.
- Conflicts Happen: Two mods changing the same thing? Crash city. Start slow, add one mod at a time.
- My Horror Story: Once used a shady "unlimited money mod" from a dubious site. Corrupted my save and deleted my Sim family. ? Back up your saves (`Documents\Electronic Arts\The Sims 4\saves`) BEFORE adding mods!
"Legit" Ways That Feel Like Cheating (Almost)
Maybe you want the satisfaction of "earning" it without the decade-long grind. These methods exploit game mechanics for crazy-fast cash. They're not technically unlimited, but can get you millions fast.
Gardening: From Seedlings to Simoleon Empire
Sounds boring. Is OP. Focus on high-value crops:
- Dragonfruit (King): §500+ per fruit. Get seeds from Rare seed packets or the "Rare" section in Build/Buy.
- Orchids (Queen): §350+. Find while fishing in Selvadorada (Jungle Adventure required).
- Setup:
- Start small (even a planter box works).
- Level Gardening skill FAST by reading books or tending plants.
- Once you have a few perfect plants (use fertilizer!), propagate via grafting or cloning.
- Profit: A 6x6 dragonfruit patch (perfect quality) yields ~§30,000 DAILY. Seriously.
Took me about 3 Sim-weeks to go from starter home to mansion just selling dragonfruit. Ridiculous payoff.
Painting: Bob Ross Mode Activated
Another skill-to-cash machine.
- High-Value Styles: Abstract, Surrealist. Large paintings sell for most.
- Setup:
- Buy cheapest easel.
- Spam paintings – skill increases fast.
- At Painting Skill 10, "Masterpiece" paintings sell for §3,000 - §10,000+.
- Pro Tip: The "Creative Visionary" Aspiration reward gives +50% painting sale value. Stack it!
| Method | Time to §1 Million | Active Effort | Risk | Fun Factor |
|---|---|---|---|---|
| Cheats (`money X`) | 30 seconds | Minimal | Disables Achievements | Low (instant) |
| Mods (UI Cheats) | 15 seconds | Minimal | Mod Conflicts | Medium (easy clicks) |
| Gardening (Dragonfruit) | 2-3 Sim Weeks | High (setup) | None | Medium (rewarding) |
| Painting (Masterpieces) | 1-2 Sim Weeks | High (grind) | None | Low (repetitive) |
| Money Tree Reward | 1-2 Sim Weeks (to earn points) | Medium | None | High (feels earned) |
The Real Risks (Nobody Talks About This)
Unlimited money sounds perfect. Sometimes... it backfires.
- Boredom Creep: Removing financial challenge can make gameplay feel empty. Suddenly, promotions feel pointless. I've abandoned saves because of this.
- Story Stagnation: Constant drama fueled by poverty? Gone. You need to CREATE new goals (build epic homes, max all skills, cause chaos).
- Save File Vulnerability: Mods, especially outdated ones, are the #1 cause of corrupted saves. Cheats are safer technically.
- Achievement Lockout: Cheats = no trophies/achievements. Mods usually don't affect this, but check settings.
Honestly? I toggle unlimited money on and off. Sometimes I want the struggle, sometimes I just want that penthouse with a shark tank.
Your Burning Questions (Answered Honestly)
Q: Does "how to get unlimited money on Sims 4" work on PS4/Xbox?
A: Cheats? YES! Use the console commands (shoulder buttons). Mods? NO. Console doesn't support mods. Gardening/Painting/Money Tree? YES!
Q: Will I get banned for using cheats/mods for unlimited money?
A: Absolutely not. EA doesn't ban for single-player offline cheats or mods. It's your game. Play how you want.
Q: What's the FASTEST method to get unlimited money on Sims 4?
A: Cheats (`money X`) or UI Cheats Mod. Literally seconds. For console players, `money X` cheat is the only instant option.
Q: Can I remove unlimited money later?
A> Cheats: Yes! Just use `money [lower amount]`. Mods: Usually have options to reduce funds. Legit Methods: Just stop harvesting/selling! Or spend it wildly.
Q: My money mod stopped working after the game updated! Help!
A> Welcome to Sims modding! First step: Check the mod creator's page (Patreon, official site) for an updated version. Delete the old file, drop in the new one. Always after a patch. If no update? Wait, or ditch the mod.
Final Verdict: Which Method Wins?
Look, if you want instant, hassle-free unlimited money on Sims 4:
- PC Players: UI Cheats Extension wins. Click, type, done. Cleaner than console commands.
- Console Players: Use the `money X` cheat. It’s your only instant option. Master it.
- Anti-Cheat/Mod Players: Grind for the Money Tree Reward or become a Dragonfruit Baron. Slow start, huge payoff.
This isn't about cheating "right" or "wrong." It's about playing YOUR game YOUR way. Want unlimited funds to build a space-age nightclub? Do it. Prefer the rags-to-riches struggle? Awesome. Knowing how to get unlimited money on Sims 4 gives you the control.
So go on. Give your Sims that gold-plated toilet they'll never deserve. You've earned it. Or, well, you've cheated for it. Same difference.
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