All Sims 4 money cheats
| Cheat | What it does | Needs testingcheats true? |
|---|---|---|
motherlode | Adds §50,000 to the active household | No |
kaching | Adds §1,000 | No |
rosebud | Adds §1,000 (same as kaching) | No |
money 145897 | Sets household funds to exactly the number you type (here §145,897). Use a lower number, such as money 0, to take money away | Yes |
sims.modify_funds 5000 | Adds the amount you type. A minus sign removes it: sims.modify_funds -5000 (put a space before the minus) | Yes |
FreeRealEstate on | Makes every residential lot free to move into. Type it on the world or neighborhood screen, not in Live mode. FreeRealEstate off turns it off | No |
Cheats are not case sensitive: Motherlode and motherlode do the same thing. Money always goes to the household you are playing, not to one Sim.
How to enter the money cheat on every platform
PC (EA app, Steam, Epic)
- Load your save and go to Live mode with the household you want to make rich.
- Press Ctrl+Shift+C. A white bar opens at the top left.
- Type
motherlodeand press Enter. Funds go up by §50,000. - To repeat it, press the Up arrow to recall the last cheat and press Enter again.
- Close the bar with Esc.
Mac
EA lists the same shortcut for Mac: Ctrl+Shift+C. The Sims 4 does not swap Ctrl for Cmd, so use the Control key. If nothing happens, check that Control has not been remapped under System Settings > Keyboard > Modifier Keys.
PlayStation 4 and 5
- In Live mode, hold L1+L2+R1+R2 at the same time.
- Type
motherlodewith the on-screen keyboard and confirm. - Hold the four shoulder buttons again to close the console.
Xbox One and Series X|S
- In Live mode, hold LB+LT+RB+RT.
- Type
motherlodeand confirm. - Hold the four shoulder buttons again to close.
With a mouse and keyboard plugged into a console, Ctrl+Shift+C also opens the console.
Setting an exact amount
- Open the console and type
testingcheats true, then Enter. The game confirms that cheats are enabled. - Type
money 250000(or any number) and press Enter.
Which money cheat should you use?
| You want to | Type this | Notes |
|---|---|---|
| A quick boost | motherlode | §50,000 per entry. Repeat with Up arrow + Enter on PC. |
| A small top-up for a bill or a gift | kaching or rosebud | §1,000 per entry, no testingcheats needed. |
| An exact balance, such as §1,000,000 for a build | testingcheats true, then money 1000000 | Replaces the current balance instead of adding to it. |
| A rags-to-riches start | testingcheats true, then money 0 | Empties the account. Combine with FreeRealEstate on for a free home and no cash. |
| To add or remove a set amount | testingcheats true, then sims.modify_funds 2500 or sims.modify_funds -2500 | Changes the balance by that amount. |
| To move into an expensive house | FreeRealEstate on on the world or neighborhood screen | The lot becomes free. Funds stay as they are. |
| No trophies lost on console | motherlode, kaching, rosebud | These don't need testingcheats, which is the trigger EA names for losing Achievements. |
Typing money with a huge number is the fastest way to a full account, but it also replaces whatever the household earned. If you want to keep their real earnings and just add to them, use motherlode or sims.modify_funds instead.
Do money cheats disable achievements?
On PlayStation and Xbox, EA says that cheats which need testingcheats true disable Achievements and Trophies in the current save. Other saves are not affected. motherlode, kaching and rosebud do not need testingcheats, so they fall outside that rule as EA describes it. money and sims.modify_funds do need it, so use them in a save you don't care about for trophies.
EA's note about achievements is written for consoles. For PC and Mac it does not state the same rule.
A safe habit on any platform: use Save As to make a copy of your save before you start cheating, so you can go back to the clean version.
Money cheat not working? Fixes
| Problem | Fix |
|---|---|
| Ctrl+Shift+C does nothing on PC | Another program owns the shortcut. Known culprits from EA forum reports: AMD Software hotkeys, screenshot tools such as Gyazo, and Microsoft Copilot. Remove or change that hotkey, or try Ctrl+Shift+Windows+C. |
| Console still won't open | Switch from windowed to full screen. If that fails, close the game, move Options.ini out of Documents\Electronic Arts\The Sims 4 to your desktop and relaunch so the game rebuilds it. A clean boot of Windows shows whether a background program is blocking the keys. |
| Ctrl+Shift+C takes a screenshot | A capture app is running in the background. Turn off its hotkey. |
| Mac shortcut ignored | Use Control, not Command. Check Modifier Keys in keyboard settings. |
money 50000 gives an error | Type testingcheats true first, then try again. Check there is a space between money and the number, and no § sign or commas. |
| Funds don't change after motherlode | You must be in Live mode with a household that lives on a lot. Load the household in Live mode, then enter it. |
| Lot is still too expensive to move into | Type FreeRealEstate on on the world or neighborhood screen before you pick the lot, not inside Live mode. |
| Cheat stopped working after a mod update or patch | Built-in money cheats are part of the game, so a patch should not remove them. A broken mod or script can still block the console. Test with mods turned off in Game Options > Other. |
What §50,000 buys and how to stay balanced
The cheat is fast, but it can also flatten the game. A household with unlimited money skips the hard parts: early jobs, paying bills, saving for the bigger house. If you want some help without breaking your save, a few rules players use:
- One motherlode per move. Enough to buy a starter home and furnish it, then live off jobs.
- Build-only money. Cheat funds for a build, then use
moneyto put the balance back to what it was before. - Remove a windfall. If you cheated too much,
sims.modify_funds -50000takes it away again. - Free lot, real money.
FreeRealEstate ongets the household into a house without touching their funds, so they still have to earn everything else.
Bills are not stopped by any money cheat. EA's cheat list includes household.autopay_bills, but PC Gamer reported in testing that it no longer has a visible effect, with bills still arriving in the mailbox. Bills still have to be paid at the mailbox as normal.
Want a life sim where money is earned, not typed?
Much of the fun of a life sim is the struggle: the first job, the rent, the slow climb. If motherlode has made your Sims 4 save too easy, LifeSim is a different way to play the same idea. It is a free life simulator that runs in the browser on a computer or phone, with no download and no packs to buy.
You can be anyone in any real city on Earth and live a life day by day. Your character has needs, a job and relationships, and the townspeople around you are AI-driven, so money comes from what you do in that life, not from a console command.
There is no cheat console and nothing to install. Open it in a browser tab on your laptop or phone, pick who you want to be and where you live, and start the first day. A cheap flat, a first paycheck and the people you meet along the way decide how the life goes, so every Simoleon-style win is one you earned.