Money

**Money** in *Phasmophobia* is used to purchase equipment to bring on investigations.

## Mechanics

Each player starts off with $0, and can earn money through finishing contracts, completing tasks, and selling off previously bought items. Money is used solely to purchase equipment, and will not interfere with any other gameplay mechanic or grant any other bonus to players.

The amount of money the player has is listed on the player's ID card on the main menu board and in the Equipment Store in the lobby.

### Purchasing items

Players may purchase the following items from the item store:

### Earning money

Players gain money depending on the objectives they complete and additional secondary evidence that they find:

To get the additional Perfect Investigation Bonus of $50, the player must identify the correct ghost, complete all 3 objectives, collect the bone, and fill the journal with 10 3-star photos of any type.

The amount of money gained from ghost identification, objectives 1 - 3, and any investigation bonus(es) is then multiplied by the difficulty multiplier:

* **Amateur:** 1x
* **Intermediate:** 2x
* **Professional:** 3x
* **Nightmare:** 4x
* **Insanity:** 6x
* **Custom:** 0x - 15x depending on settings

If the difficulty multiplier is less than 1x, the photo rewards are also multiplied. Else, the photo rewards are not affected by multipliers of higher than 1x.

If the player does not identify the correct ghost on a custom difficulty, their rewards will be rounded down to the nearest default difficulty (e.g. from 7x to 6x, which is the Insanity multiplier).

If the player is dead when the investigation ends, the difficulty multiplier is not applied, and the money earned is halved instead. If a player is revived by Tarot Cards and is still alive at the end of the contract, they will receive the normal payout.

A summary of all the money earned in a game will be displayed on the contract payment board after completing a contract.

### Insurance

See also: Death § Equipment & Insurance
If a player is dead when the investigation ends, all equipment that they added to the mission is lost, unless the "Lose items upon death" difficulty setting is turned off. Insurance will reimburse dead players with a portion of the money spent on purchasing those items. The percentage of money paid out is dependent on the difficulty of the contract:

 IntermediateDifficulty multiplier ≤ 2x
 ProfessionalNightmareInsanityDifficulty multiplier > 2x

Insurance money is not multiplied by the difficulty multiplier.

## Notes

* Picking up the bone and taking a picture of the bone are not the same. Each one of these actions rewards the player with money but they are not linked one to another. This means that the player can pick up the bone for the money or take a picture for the money without doing the other action. The picture of the bone will be registered in the Pictures section of the game summary, and picking up the bone will be registered in the Bone evidence category.
* Insurance payout is not affected by whether a photo of the dead player's body is taken.

## Trivia

* Given that the game is set in the United States, it is implied that the currency used is the US Dollar.
* The limit on the amount of money one can have is $2,147,483,647 (231 − 1).
* The theoretical maximum amount of money you can earn from a single contract (excluding Daily and Weekly Tasks) is $8,110, by completing a perfect game on the highest difficulty multiplier on Sunny Meadows Mental Institution.