Do you want to unlock all 8 achievement endings in Money for Girls: Amortized? Then you will have to make choices that match the ending you are going for. You can reach some endings naturally, while others require you to manage Cancer Prize’s relationship with Agnel, money, Sugar Mommy, and her overall stats.
In this guide, I have covered all 8 achievement endings, choices, routes, secret ending, and walkthrough.
Important: The routes below start when you are introduced to the mall money machine and after praying to Lady Dirt Dollars. Before that, you can make any choice, and it will not change your ending.
Traits, Zodiac, and Personality also seem to have very little effect. They mainly change some flavor text. You can use any setup, although Slob helps with the Hygiene End and OCD can help with the Mood End.
You are also allowed to skip through most dreams until you are introduced to actual sleep choices. Most dreams reflect Cancer’s current state and do not change the ending.
Money for Girls Amortized: All Endings, Choices & Routes
Spoilers ahead.
Hygiene End
This is one of the bad endings that you may trigger. In this route, Cancer Prize’s hygiene drops very quickly, and as a result, you can get this ending.
Hint:
Make sure to choose the dirtiest options you can and don’t clean yourself.
The Slob trait can make this easier.
Route:
After choosing which bill to pray to:
- Do It
- Swallow Money x5
Ending unlocked: Hygiene End
Want to unlock all the CGs and Scene Gallery? Check out my Money for Girls: Amortized – All CGs & Scene Gallery Unlocked guide to find every CG, Polaroid, and bonus artwork.
Mood End
This ending is also similar to Hygiene End, but you need to keep Cancer’s mood in a bad state.
Hint:
Select choices that humiliate or upset Cancer and don’t let her recover from humiliation.
The OCD trait can help if you’re having trouble reaching this ending.
Route:
After choosing which bill to pray to:
- Do It
- Stop
- Oinky Feebly
- Sh*tty
- School → Advanced Economics
- Modern Money
- Debt
- Outside → Investigate → Crime Scene
- Fight Nausea
- Ask For Help
Ending unlocked: Mood End
Girls End
Girls End is the main Agnel-focused ending. The important part is that you have to build enough affection with Agnel and reach the required ending choices.
There was also a recent change mentioned by the developer: the love sticker now requires 10 hearts. If you want to get Agnel’s invitation, then you need to complete three Agnel investigations.
Hint:
Try to focus only on Agnel and choose affectionate responses whenever possible. You need to build the relationship far enough to receive the invitation.
Route:
After choosing which bill to pray to:
- Do It
- Stop
- Oink Feebly
- Humiliated But Strangely Good
- School → Amphetamines
- Do Amphetamines
- She’s So Cool
- Outside → Investigate → That Girl
- Keep Them Open
- Approach
- School → True Heart Day <3
- They Must Be For Agnel
- Outside → Agnel → Wishing Fountain
- That’s Enough
- Make A Wish
- The Eternal Spirit of Love
- School → Juice Hole
- Mango Salt Lassi
- Outside → Investigate → Something Fishy
- Leave It There
- It’s Okay I Won’t Tell Anymore
- School → A Skilled Girl
- Outside → Investigate → Follow Agnel
- Dont
- Pray For Her
- Did They Try
- School → Breast Cancer
- Outside → Agnel → Like A Demon
- A Shadow On Me
- Outside → Agnel → Mall Girls
- Get Out
- Look Inside The Shorts
- Sniff
- Tall Women Stealing Souls
- Put It Away
- Outside → Agnel → My Knight
- Her Hand
- Outside → Agnel → Sugar Beach
- Laidback Compliment
- She Approaches
- Have Some Cheese Fries
- Positive Response
- What A Beautiful Mystery
- Peak Up/Down → Let Timer Run Out
- Put It Away
- Okay Okay
- Cute
- Outside → Agnel → A Date!
- Comfort Her
- Home → Shower → Finish Up
- Climb Up
- Outside → Agnel → Communion Wine
- Drink
- Sea
- Home → Agnel Meets Mom
- Melted Cheese
- Outside → Agnel → False Ego
- My Love Fills Her
- Outside → Agnel → Phone Call
- Laugh It Off
- Outside → Agnel → Fauxns
- Be Closer
- Outside → Agnel → A Nice Dog
- Stroke
- Hold Still
- Maybe A Wild Animal Could Be Welcome
- Give A Little Smooch
- You Protected Me :]
- Accept Her Invitation
- Wait For Her Return
- Look At Her
- Hold Still
- Pray
- Her Drooling Face
- You Asked What Happened To Her
- A Wish
- I Don’t Want To Be Your Secret!
Save here
Create a save at this point. This save can be used to get another ending without replaying the whole route.
Continue with:
- Look For Agnel
- Walls → Go Deeper → Follow The Ants → Go All The Way
- Blink
You will get three eye-related choices.
Important: Choose the bottom option that says Open Eyes but changes to Keep Eyes Shut when you hover over it. Picking the wrong option can end the route.
Then choose:
- Open Eyes / Keep Eyes Shut
- Then A Sound
- Fall Asleep
- I Trust You
- Take The Shot
- As Long As You’re Here
- Enter The Heartfelt End
Ending unlocked: Girls End
Chains End
This ending is easier to get than the more specific routes.
You have to follow only one requirement: finish the game while still owing money. You also don’t have to complete a special relationship route.
Hint:
Don’t do anything that strongly pushes you toward Money End, Girls End, or Business End. Just stay broke.
Easy method:
If you made the save during the Girls End route, load it and choose:
- Wait For Morning. Pay Your Debt
If you have less than 1000 xeraphim, this will trigger Chains End.
Ending unlocked: Chains End
Money End
Money End is basically the opposite of Chains End. Instead of ending up broke, you need to focus on earning enough money.
Hint:
Make sure to follow money-related opportunities and choose options that help Cancer Prize make more cash. Your goal is to make more money and don’t avoid money-making choices.
Route:
After choosing which bill to pray to:
- Do It
- Swallow It
- Swallow Money x4
- Stop
- Oink Feebly
- Whatever, Its All About Money
- School → Advanced Economics
- Modern Money
- Debt
- Home → Shower → Finish Up
- School → Introductions
- Outside → Investigate → The Debt
- Maybe We Can
- Smile
- Take It Off
- School → Breast Cancer
- Outside → Investigate → Casting Call
- Any Sound Works
- Her Persona
- Her Body
- No Questions
- Cancer Takes It Off
- Cancer Eats The Sugar
- Happy Line Reading
- School → Amphetamines
- Do Amphetamines
- She’s So Cool
- Sass Her
- Her Touch Lingers Sweetly
- Fashion → Mall Rat
- Outside → Shops → Mall Cancer
- Make A Fun Face With Ketchup
- School → Juice Hole
- Mango Salt Lassi
- Outside → Agnel → Wishing Fountain
- Keep Scrounging
- Save The Coin
- A Shadow On Me
- Home → Laundry
- The Happiness of Warm Blankets
- Outside → Investigate → Her Office
- Look Back
- Drink The Milk
- High Value Asset
- Ask For Money
- Her Friend
- Fashion → Mall Rat
- Outside → Shops → Mall Cancer
- She’s Neither
- Outside → Investigate → Go For Walk
- Keep Walking
- But I Need Them
- Outside → Agnel → Guano
- Embrace The Guano
- Let’s Find Out
- Fashion → Mall Rat
- Outside → Shops → Mall Cancer
- Outside → Agnel → Gold Coin
- Bite Her Shoulder
- Tell Her
- Outside → Agnel → Phone Call
- Laugh It Off
- Outside → Agnel → Communion Wine
- Drink
- Sea
- Home → Weird Hairs
- Suppress The Thought
- Home → Favorite Game
- Pray For Victory
- It’s About Love Versus Evil
- Knight
- Accept Her Invitation
- Snoop
- Look For Loot
- Pink Heart
- Star
- Scrounge
- Keep To Sell
- Scram
- Look At Her
- Hold Still
- Pray
- Her Drooling Face
- I Needed It
- And Then
- A Prayer
- I Don’t Want To Be Your Secret
- Wait For Morning. Pay Your Debt
- Sweet Response
Ending unlocked: Money End
Business End
Business End focuses on Sugar Mommy and the money/sugar route.
You have to get far enough into Sugar Mommy’s path and reach her house. The old version of the route had some confusion around this, but players and the developer comments have clarified the current requirements.
Hint:
Follow Sugar Mommy’s route and prioritize the lollipop sticker. You need to get into the house while meeting the requirements for Business End.
Route:
After choosing which bill to pray to:
- Refuse
- School → Introductions
- Outside → Investigate → The Debt
- Maybe We Can
- Smile
- School → Breast Cancer
- Outside → Investigate → Casting Call
- Any Sound Works
- Her Persona
- Her Body
- No Questions
- Cancer Takes It Off
- Cancer Eats The Sugar
- Happy Line Reading
- Amphetamines
- Do Amphetamines
- This Wh*re Is Obsessed With Me
- Outside → Investigate → Her Office
- Look Back
- Drink The Milk
- High Value Asset
- Ask For Money
- Her Rival
- She’s Neither
- School → Baby Worm
- Home → Old Colleague
- Oh yeah
- Below
- Move On
- Take It Off
- School → Virgin
- I’m Not A Virgin
- All The Way
- Home → Radio Hazard
- Reap What You Sow
- Business Broadcast
- It’s Part Of The Investigation
- Sugar Static
- Look Around
- Get Up
- Stoic Silence
- Let The Timer Run Out
- I Love Money
- Done
- A Shadow On Me
- Home → Shower → Finish Up
- Outside → Investigate → Prize Pool
- Brush Them Off
- Chocolate
- Stop Talking
- Modest Response
- Taking Pictures
- Take The Sugar
- Put It Away
- Sprawl Out
- Feeling Sleepy
- Wave Goodbye
- Home → Weird Hairs
- Mention Your Itchy Palm
- Sashimi
- Home → Dust Bats
- Home → Mom’s Bedroom
- Choose any options you want for the lore section
- Finally You Stop And
- Hide In The Laundry Pile
- Home → Mom Is Showering
- Did You Have A Good Day
- Home → The Bad Times
- She Needed Sleep
- And Then
- Mom?
- Home → Pray
- Home → Mom Beach
- She Had To Convince Me
- Change Into The Swimsuit
- Starfish
- Move On
- Scared
- Memories
- Put It Away
- Home → Favorite Game
- Pray For Victory
- It’s All About Crystals
- Knight
- Outside → Investigate → That Girl
- Follow The Ants
- Walls → Go Deeper → Follow The Ants → Go All The Way
- Blink
Save here:
Make another save before the eye choices.
Then, choose:
- Open Eyes / Open Eyes
- Go With Her
- Suck On Your Fingers
Ending unlocked: Business End
Bleed End
You might find Bleed End confusing because you can also trigger it while you are going for the Business End.
One player reported that he got the Bleed End accidentally after reaching the house but choosing the wrong eye option. This suggests that getting into the house is an important part of the route, rather than requiring a specific Agnel relationship level.
Hint:
The original route suggests keeping some distance from Agnel instead of pushing the relationship as far as Girls End.
If you already have the Business End save at the eye-choice section, you can use it to get Bleed End.
Easy method from the Business End save
Reload the save from the three eye choices and select:
- Open Your Eyes / Close Your Eyes (third option)
- Then A Sound
- Got The Money Mom
Ending unlocked: Bleed End
Coin End
Coin End is another Agnel-related ending, but the relationship needs to go in a different direction from Girls End.
The route below deliberately uses more dismissive and snarky responses instead of fully committing to Agnel.
Hint:
Build the Agnel connection, but don’t treat her the same way you would for Girls End. You have to make the right balance.
Route:
After choosing which bill to pray to:
- Do It
- Stop
- Oink Feebly
- Sh*tty
- School → Amphetamines
- Do Amphetamines
- This Wh*re Is Obsessed With Me
- Outside → Investigate → Crime Scene
- Fight Nausea
- Show Your Superiority
- Conclude Examination → Yes
- Pray
- Run Outside
- Give Her Your Explanation
- This Bimbo Is So Into Me
- School → Virgin
- I’m Not A Virgin
- All The Way
- Outside → Investigate → That Girl
- Keep Them Open
- Approach
- School → Bio Test
- Keep It As Evidence
- The Life Fetish
- Bright Answer
- Outside → Agnel → A Nice Dog
- Ignore
- Hold Still
- Maybe A Wild Animal Could Be Welcome
- Just Keep Petting
- Thanks Dogbait
- School → Baby Worm
- Outside → Investigate → Something Fishy
- Leave It Be
- It’s Okay I Won’t Tell Anyone
- School → Heart Day <3
- They Must Be For Agnel
- Outside → Investigate → Follow Agnel
- Peek
- Is One Of Them Here
- A Shadow On Me
- Outside → Agnel → Like A Demon
- Home → Shower → Finish Up
- Home → I Like Girls
- The Ladies Can’t Get Enough Of Me
- Settle Down → Fall Asleep
- Outside → Agnel → Communion Wine
- Drink
- Sea
- Outside → Agnel → Wishing Fountain
- That’s Enough
- Make A Wish
- The Eternal Spirit Of Love
- Outside → Agnel → False Ego
- My Suffering Enriches Her
- Outside → Agnel → Fauxns
- Absorb Her Frequencies
- Outside → Agnel → Gold Coin
- Bite Her Shoulder
- Keep It As Evidence
- Fashion → Mall Rat
- Outside → Shops → Mall Cancer
- Spit In Her Food
- Outside → Agnel → Sugar Beach
- Sweaty Compliment
- She Approaches
- No Thank You
- Suicidal Response
- She Must Be Defective To Hang Out With Me
- Dont
- Put It Away
- Okay Okay
- Yow
- Home → Weird Hairs
- Suppress The Thought
- Accept Her Invitation
- Snoop
- Look For Loot
- Heart
- Star
- Scrounge
- Keep As Evidence
- She Wanted You To See These
- Scram
- Look At Her
- Run
- Tails
Ending unlocked: Coin End
What About the Freak Ending?
There is also a Freak Ending that you can trigger in this game. However, it is different from the eight achievement endings covered above.
Freak End is an unofficial secret ending and does not currently have an achievement or CG. I will add the exact route very soon if you want to trigger this hidden ending.
Want to unlock all the CGs and Scene Gallery? Check out my Money for Girls: Amortized – All CGs & Scene Gallery Unlocked guide to find every CG, Polaroid, and bonus artwork.
Pingback: Money for Girls: Amortized – All CGs & Scene Gallery Unlocked