Making money
What TornLife's research has established about Making money, and the questions players asked about it.
What TornLife has verified
- The Item Market charges a sales tax of 4%, rising to 5% on 22 June 2025. An optional 10% fee lists items anonymously. Fees are taken at the time of sale. (documented; Item Market › Listing and Fees, )
- Most players acquire points by buying them from the Points Market. A $5.00 USD donation gives a Donator Pack worth 60 points. (documented; Point › How To Earn Points › Buying points from the market / Donate to the game, )
- A Bazaar costs 250 points at the Points Building. The wiki says bazaar sales avoid the item market fee, so margins are better. Up to 10,000 items can be bought from a bazaar at once. Bazaar listings no longer appear in the item market. (documented; Item Market, )
- Company special positions (Cleaner, Manager, Marketer, Secretary, Trainer) boost the company; the Trainer gives up to 3 extra trains. Specials need company star ranking; new employees are restricted for 72 hours; energy specials cap at 100 job points per day. (documented; Company › Special Positions, )
- Stocks 2.0 benefits depend on shares owned. Blocks are active immediately on purchase. Cash-dividend stocks (TCC 350,000 shares, IOU 3,000,000, TSBC 4,000,000, GRN 500,000) pay random cash dividends at approximately 20% APR. (documented; Stocks 2.0 › Stock Benefits, )
- The wiki lists OC 2.0 Mob Mentality (Level 1, 4 days, 4 people) with a reward of $673,000 minimum to $1,500,000 maximum plus faction respect. (documented; Organized Crime 2.0 › Scenarios › Introductory Tasks › Mob Mentality, )
- The Points Market has a cap of $100,000 per point. The average price varies with demand. Sellers can remove their listings. (documented; Point › Points Market, )
- Active stock dividends cannot be stored and must be claimed before progress toward the next one begins. Energy is capped at 1,000 and happiness at 99,999, so over 10 MCS increments wastes energy. (documented; Stock Market › Stock Benefits › Summary Table, )
- Holding 1.5 million TCB shares raises bank interest by 10% (e.g. 1.00%, 2.00%, 8.00%, 22.00%, 40.00% become 1.10%, 2.20%, 8.80%, 24.20%, 44.00%). Each merit spent adds 5% to APR. Bank APRs vary over time. (documented; Stocks 2.0 › Stock Benefits — Stock Benefits (rows 2/2), )
- Stock benefits are passive (share count held 7 days) or active (dividends every 7 or 31 days). Each further increment costs double the previous. FHG: 2,000,000 shares, then 4,000,000 (total 6,000,000), then 8,000,000 (total 14,000,000). (documented; Stock Market › Stock Benefits › Summary Table, )
- The TCP stock gives a 10% boost to company profits, effective only for the company Director. (documented; Stocks 2.0 › Stock Benefits — Stock Benefits (rows 2/2), )
- Points cannot be traded directly but can be exchanged between people via the faction armory. (documented; Point › How To Earn Points, )
- Auction House: max 5 listings, no reserve or starting price, and a listing cannot be cancelled. (documented; Auction House › To List an Item, )
- Stacking stock blocks is needed for benefits; stacking resets Length owned and gives an average share price. Splitting divides a block into two. (documented; Stocks 2.0 › Your Stock Portfolio › Splitting Stocks, )
- The Duct Tape enhancer, which boosts Card Skimming crime exp and skill gains by 5%, is obtained specifically and uniquely from the Shoplifting sub-crime 'Bits \'n\' Bobs' (quantity 1). (documented; Duct Tape › Effect / Obtaining, )
- The wiki's Trade page lists what is directly tradeable player-to-player: Money, Items, Properties, and (only for the owner) Companies or Factions. Stocks, Points, Merits, Rackets, Territories, Books and any stats/statuses cannot be exchanged through the direct trade feature. (documented; Trade › Trading, )
- Coin: Auction House is listed on the wiki simply as a Collectible item found in Torn, with no mechanic detail attached. (documented; Coin : Auction House, )
- Organized crime members must be active within the last 24 hours and not already assigned to an OC to be selected during planning; once planning ends, the OC can only be initiated if every member is 'Okay' (not in Hospital, Jail or Traveling), and players trying to travel near the end of planning get a red warning notice. (documented; Organized Crime › Planning / Crime Details, )
- Job points earned in one job do not transfer if you switch to a different job type, but they are retained (never disappear) if you later return to the same job or company type, so points banked in a casino job stay there even after moving to education and can be used again on return. (confirmed by Torn; Switching jobs - Job points, )
- Two 2026 bug reports describe faction armory blood bag counts and blood-bag-type outputs behaving incorrectly (wrong blood type added to armory stock; visual count glitches on blood bag use), acknowledged by staff as already-reported confirmed bugs rather than intended mechanics. (confirmed by Torn; Visual Bug - faction armory blood bag of my blood type goes up when i use my fa…, )
- A 2017 wiki guide lists tip-offs for finding cash-rich mug targets: auction house players who bid high then got outbid, or who just sold a high-priced item; bazaar sellers of high-priced items on trade forums (mug after sale, or buy it yourself then mug); and casino/gambling forum players who recently won big in Russian Roulette or high scores. (documented; Money Maker › Mugging, )
Questions about Making money
- How does stock trading work, and which stocks are best to invest in for profit?
Shares are bought and sold instantly at a system price that moves every minute. Buying is free and selling costs 0.1% of the value sold . You can pro…
Stocks ·
- What kinds of players are worth mugging for money, and how should a player choose mugging targets?
Mug targets worth your energy are players weaker than you who currently have cash on hand — classically someone who just sold a high-priced item on t…
Combat ·
- What are the fastest ways to make money in Torn?
No source measures profit per hour, so no one method can be called the fastest. Player guides agree on an order. Before level 15, buy the 100 items a…
Crimes ·
- How can a player exploit or maximize profit from the Torn stock market, and what stock-market tactics are considered abusive or against the rules?
Under current Torn rules, stocks pay in two legitimate ways: holding benefit blocks and trading on price . No rule TornLife found names stock price m…
Stocks ·
- With bank investment funds maxed out, what is the best stock market investment strategy for the remaining cash?
Buy the bank-interest stock (1,500,000 shares, +10% City Bank interest) first since it boosts the return on the cash already locked in the maxed bank…
Stocks ·
- What is net worth in Torn and what is the best way to increase it?
Torn publishes no full networth formula. Staff say items count at a hidden long-term-average value, not the market price or the item's Value, so netw…
Money ·
- How does the stock market work in Torn, and how do players make money from buying and selling stocks?
Torn's stock market (Stocks 3.0, released 06/04/21) lets a player with a Stock Ticker buy and sell shares instantly at the current price, with no buy…
Stocks ·
- What do you need to know to start a profitable company?
A 2020 director guide lists three things you need before running a company: the business education courses, start-up cash for wages and advertising, …
- How can a player make a lot of money in Torn?
No source ranks Torn's money makers by income. A June 2026 guide treats flying abroad from level 15 as the standard start, ideally from a Private Isl…
Crimes ·
- How does the stock market work in Torn?
Torn's Stock Exchange requires a Stock Ticker (50 Points). Shares are bought and sold instantly at the current price, with a 0.1% fee on sales . Hold…
Stocks ·