By HostSpica Private Limited, the developer of EMI Must Be Paid · Updated 21 September 2026 · Game version 1.3.0
What are the difficulty modes and ranks?
EMI Must Be Paid has four difficulty modes, Rookie, Pro, Boss and Legend, that you pick when you start and can change any time in Settings. Separately, you climb 10 rank titles from Newbie to Titan by earning lifetime BP.
Rank screen in EMI Must Be Paid showing rank titles and claimable rewards.
Difficulty modes compared
Multipliers against Pro (the classic balance). Bigger BP means faster progress.
Mode
Bill amounts
Bill deadlines
Stamina
Regen
BP earned
Boss HP
Best for
Rookie
-20%
+30%
+25%
+20%
-15%
-20%
Relaxed. Great for learning the game.
Pro
+0%
+0%
+0%
+0%
+0%
+0%
The classic balance.
Boss
+30%
-15%
-10%
-10%
+35%
+15%
Bigger bills, tighter deadlines. More BP.
Legend
+70%
-25%
-15%
-20%
+90%
+30%
Brutal. For players who beat the game.
Difficulty changes how demanding each run is. It never deletes progress, so you can experiment freely.
Rank titles
Lifetime BP needed for each rank and the reward for claiming it.
Rank
Lifetime BP needed
Reward
Newbie
0
Starting rank
Saver
8
2 BP
Bill Buster
30
4 BP
Debt Fighter
90
6 BP and a common rare coin
Banker
220
10 BP
Tycoon
500
15 BP and a rare rare coin
Millionaire
1000
25 BP
Magnate
2000
40 BP and a epic rare coin
Mogul
4000
60 BP
Titan
8000
100 BP and a legendary rare coin
Ranks count total BP ever earned, so spending BP on upgrades never lowers your rank.
Questions
What difficulty should I pick in EMI Must Be Paid?
Pick Pro if you are unsure: it is the classic balance. Choose Rookie to learn the game, Boss for bigger bills and tighter deadlines with more BP, and Legend if you have already beaten the game.
Can I change the difficulty later?
Yes. Open Settings and pick a new difficulty at any time. It applies from your next run and never affects your saved progress.
How do ranks work in EMI Must Be Paid?
Your rank depends on the total BP you have ever earned, not the BP you have left. There are 10 ranks from Newbie to Titan, and each rank pays a reward when you claim it.
