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FAQ - EMI MUST BE PAID
By HostSpica Private Limited, the developer of EMI Must Be Paid · Updated 21 September 2026 · Game version 1.3.0
EMI Must Be Paid is a free Android tap-and-smash game by HostSpica Private Limited. You smash piggy banks with a hammer to earn rupees, pay the bills that keep arriving before their timers run out, and go bankrupt on purpose to earn BP for permanent upgrades.
Yes, EMI Must Be Paid is free to download and play, and it has no in-app purchases. It shows optional rewarded ads that you choose to watch, for example for a second chance after bankruptcy or bonus BP.
EMI Must Be Paid is an Android game for Android 7.0 (API 24) and newer, played in portrait mode. There is no iOS or PC version at the moment.
Yes, everything in the game works without an internet connection. The internet is only used when you choose to watch an optional rewarded ad.
It has optional rewarded ads only, never banner or forced ads. They are never shown in the tutorial or to players who enter an age under 13, and a reward is given only if you watch the whole ad.
BP is the permanent upgrade currency. You earn it from every run based on the bills you paid, and spend it in the Growth screen on skills, hammers, family helpers, gadgets and charm slots.
In our testing the first run lasts about 1.5 minutes and later runs last roughly 3 to 5 minutes. A run ends when a bill goes overdue (bankruptcy), stamina hits zero, or you retire.
There are four: Rookie (relaxed), Pro (the classic balance), Boss (bigger bills, tighter deadlines, more BP) and Legend (the hardest, with the most BP). You choose at the start and can change it any time in Settings; it applies from your next run.
The Golden Mace deals the most damage per hit and sends a shockwave on crits, but it swings slowly. Fast players often prefer the Rolling Pin, and the Street Cricket Bat is strong when many piggies are on screen. See the hammers guide for all 10.
The game has 10 hammers, 101 permanent skills in six branches, 24 collectible rare coins, 4 family helpers, 3 gadgets and 10 rank titles from Newbie to Titan.
Rare coins drop from piggies, especially Golden Pigs and Black Cash jackpot pigs, or you can use the Lucky Draw for a small BP price. Duplicates upgrade your equipped charms or can be sold for BP, and "Sell all spares" sells them in bulk.
No. The rupees, bills, EMIs and bankruptcy in EMI Must Be Paid are fictional game mechanics. There are no real financial services, no real-money prizes and no gambling.
HostSpica does not run servers for the game and has no accounts. Your name, age and progress stay on your phone. Google AdMob, used for optional ads, may process your advertising ID and device information as described in the privacy policy.
The game is listed for ages 13 and above and contains cartoon-style smashing of piggy banks with no blood. Players who enter an age under 13 see no ads.
Open Settings from the home screen. You can edit your name and age and pick a new difficulty there; the difficulty applies from your next run.
EMI Must Be Paid is designed, drawn, coded and published by HostSpica Private Limited, a software company based in New Delhi, India. All art and sound are generated in code.
Email [email protected] with your phone model and Android version, or use the Support page. We answer bug reports and feature ideas from real players.
Read the how to play guide, visit the support page or email [email protected].