Step 1: Reach Level 15
Why It Matters: Level 15 unlocks travel, enabling flower/plushie runs for a source of income ($3M+ daily) and access to rehab facilities abroad, with travel becoming crucial for later steps.
- How You Do It:
- Train gym stats: Use all energy to train all four stats (Strength, Defense, Speed, Dexterity) in the Gym. Train to a minimum of 500 for each stat, but reaching 1,000 makes all leveling targets easy. It’s up to you to pick the right time to stop training stats at this stage. Avoid letting energy sit full—it stops regenerating at max. If you have points, use them for energy refills (30 points for a refill, 1 time a day, resets at 0001 Torn City Time (TCT) / New day) to speed up training.
- Attack leveling targets: Once your stats are at the level you selected (minimum 500, ideally 1,000), attack inactive players listed as "leveling targets" for maximum XP. Leave them in the street after winning to maximize your leveling EXP. Check these lists:
- Leveling Targets Part 1 (Link to List 1
- Leveling Targets Part 2 (Link to List 2
Thanks to Baldr [1847600] (Profile Link: https://www.torn.com/profiles.php?XID=1847600), one of the best guide writers in the game, for providing these leveling target lists. New players should check out his guide Baldr’s Guide Link) as another source of info, showcasing his exceptional knowledge of Torn.
Evaluate progress: "If you can't beat them easily (i.e., if you lose or if you win but take a lot of damage) then you should train more then try again in a few days. If wins are easy, use all energy attacking targets until Level 15." (Direct quote from Baldr [1847600], Baldr’s Guide: https://www.torn.com/forums.php#/p=threads&f=61&t=16034448)
Gameplay loop: Wake up and train. Come back when E is full and train, then repeat until you go to sleep. Note: Train the stat each gym is best at (e.g., Average Joe’s is best for Defense, Woody’s is best for Speed).
- Notes/Assumptions/Tips:
- Notes: Energy regeneration stops at max (150 E with subscriber status), so using it promptly avoids wasting potential gains.
-
- Assumptions: Assumes you’re a new player with subscriber status (150 E max, 630 E/day with 150 E wake-up + 480 E regeneration over 16 active hours), starting with basic stats (under 500 each) and no faction perks. Assumes you have access to the Gym and can afford basic expenses (e.g., hospital costs) through early crimes or small trades.
-
- Tips: Join a beginner-friendly faction early to gain access to upgrades like enhanced gym gains, travel perks, less drug addiction, lower rehab fees, and nerve/crime perks, which can speed up training and other activities. If you can afford it, rent a property with higher happiness (e.g., a mansion, as Baldr suggests) to improve gym gains while training.
- Training Estimates:
- A new player with subscriber status (150 E max, 630 E/day), no faction perks, sleeping 8 hours/day, starting at Premier Fitness, and progressing through gyms (cumulative E spent to unlock each gym at 200, 500, 1,000, 2,000, 2,750, 3,000, 3,500, 4,000 E), training the best stat per gym, will take approximately 11 days to reach 500 in each stat, spending 6,915 E, with a total unlock cost of $19,360 to reach Global Gym (Source: Torn Wiki - Gym, https://wiki.torn.com/wiki/Gym).
- To reach 1,000 in each stat, the same player will take approximately 27-28 days, spending 17,030 E, with the same total unlock cost of $19,360 to reach Global Gym (Source: Torn Wiki - Gym, https://wiki.torn.com/wiki/Gym).
Step 2: Earn $2 Billion for Max Bank Investment
Why It Matters: You need $2 billion in your bank to generate enough interest to rent a maxed Private Island (PI) and sustain 3 Xanax daily (~$1.5M–$2M cost). This frees up profits from flower/plushie runs and ranked wars (RW) for Happy Jumps, stocks, or other goals.
- How You Do It:
- Flower/Plushie Runs: Fly abroad, buy flowers and plushies, and sell them back in Torn. With a PI (landing strip required) and a large suitcase, you can carry up to 19 items per trip (5 base, +10 from PI, +4 from suitcase). If you join a faction with a maxed Excursion branch, add +10 more items for a total of 29 items per trip. Reliable traders you can sell to include:
- WhackedMaki [2587660]: Profile Link
- Weav3r [1853324]: Profile Link
- Note: Both are active traders who’ll buy all you can bring. These are just recommendations—you can sell to any trader you want.
- Flower/Plushie Runs: Fly abroad, buy flowers and plushies, and sell them back in Torn. With a PI (landing strip required) and a large suitcase, you can carry up to 19 items per trip (5 base, +10 from PI, +4 from suitcase). If you join a faction with a maxed Excursion branch, add +10 more items for a total of 29 items per trip. Reliable traders you can sell to include:
-
- Sell Losses: Don’t sell losses on the open market—payments aren’t guaranteed, mugging risks are high, and it’s time-intensive. Instead, use a trusted service like Nebula Corp (Forum Link ), which offers:
- Normal Loss: $350k per loss (non-rushed).
- Expedited Loss: $425k per loss (faster service).
- Contact them for more details.
- Key Note: Selling losses slows your stat growth, but as a new player, speed to $2 billion outweighs this. With max investment, interest covers PI/Xanax costs, letting you outpace peers who split focus between gym and cash.
- Sell Losses: Don’t sell losses on the open market—payments aren’t guaranteed, mugging risks are high, and it’s time-intensive. Instead, use a trusted service like Nebula Corp (Forum Link ), which offers:
-
- Do Crimes: Use Crimes 2.0 to earn extra cash with your nerve bar (separate from energy). Stick to "Search for Cash" (2 nerve) until its skill level hits 100—this is crime-specific mastery, not your player level. Without a faction or merits, you’ll rough average ~$500/day with a 10 nerve max; with a faction and full merits, ~$15k/day with a 60+ nerve max. This builds skills for Organized Crimes 2.0 (OC 2.0).
-
-
- Faction Perk (Criminality Branch): Up to +40 nerve if maxed.
- Merit Upgrade (Nerve Bar): +10 nerve (55 merit points for 10/10).
- Sell found items (e.g., spray cans, card skimmers) to traders listed above—prices vary.
- Key Note: Check out Emforus [2535044] (Profile Link) and his guides at Forum Link.
-
-
- Time Estimate to reach 2 billion:
-
Energy: 150 (overnight) + 480 (16 awake hours) + 500 (2 Xanax) + 150 (points refill) = 1,280 E/day.Sell 51 losses/day:
- Gross revenue: $17.85M (normal) or $21.675M (expedited).
- Costs: 51 Small First Aid Kits at 4,000 each = 51 × 4,000 = 204,000/day.
- Net revenue from losses: $17.85M - 204,000 = $17,646,000/day (normal) or $21.675M - 204,000 = $21,471,000/day (expedited).
Flying: ~$3M/day ($2M–$4M range).Crimes: ~$26k/day (low-end, rises with harder crimes).Daily Costs:- Xanax: 2 Xanax/day at 850,000 each = 2 × 850,000 = 1,700,000/day.
- Points: 30 points/day at 35,000 each = 30 × 35,000 = 1,050,000/day.
- Total Daily Expenses: 1,700,000 (Xanax) + 1,050,000 (points) = 2,750,000/day.
- Note on PI Rental Costs: I didn’t include the cost of renting a Private Island (PI) because prices vary widely depending on several factors: the rental duration (e.g., 1 week or 1 month), whether the rent and upkeep are shared with others, or if friends allow rent-free stays to earn merits together. Each player should account for PI rental costs based on their specific situation.
Total Daily Net Income:- Normal: $17,646,000 (net losses) + $3M (flying) + $26,000 (crimes) - $2,750,000 (total expenses) = $17,922,000/day.
- Expedited: $21,471,000 (net losses) + $3M (flying) + $26,000 (crimes) - $2,750,000 (total expenses) = $21,747,000/day.
Total: To reach $2 billion, divide by daily net income:- Normal: $2,000,000,000 ÷ $17,922,000 ≈ 111.60 days (~112 days).
- Expedited: $2,000,000,000 ÷ $21,747,000 ≈ 91.96 days (~92 days).
- With flying: ~112 days (normal) or ~92 days (expedited), emptying nerve bar on landing.
-
- Recommended Gameplay Loop:
- Wake up with full nerve and 150 E—do crimes to empty your nerve bar.
- Sell losses with the starting 150 E until energy is depleted.
- Use points for an energy refill (150 E) and nerve refill, then repeat.
- Take a Xanax (250 E), sell losses until energy hits zero.
- Fly to a location and return within 5 hours. Land, sell losses, take another Xanax, sell losses again, then fly out. Recommended locations:
- Mexico: 36 minutes (18 min each way).
- Canada: 58 minutes (29 min each way).
- Cayman Islands: 70 minutes (35 min each way).
- Hawaii: 188 minutes (1h 34min each way).
- United Kingdom: 222 minutes (1h 51min each way).
- Xanax Sync Option: Fly to UAE (380 minutes) or South Africa (416 minutes) to sync Xanax cooldown (6–8 hours).
- Recommended Gameplay Loop:
Step 3: Understand and Utilize Banking to Support Step 2 Earnings
Why It Matters: Banking in Torn protects your money and earns interest, helping you grow your wealth passively while keeping it safe from risks like attacks. This step explains the two main banking options: the Regular Bank in Torn City and the Cayman Islands Offshore Bank. You’ll learn how they work, their limits, interest rates, and how to use them to manage the money you’re earning from Step 2 as you work toward your $2 billion goal.
- How You Do It:
-
- The Regular Bank in Torn City:
- What It Is: A secure bank in Torn City where you can invest money for a fixed period to earn interest.
- How It Works:
- Investment Options: Choose from five periods (e.g., 1 week, 1 month), each with a specific interest rate.
- Process: Deposit funds, select a period, and wait until maturity to withdraw or reinvest.
- Safety: Funds are fully protected from theft or loss while invested.
- The Regular Bank in Torn City:
-
-
- Banking Limit: Up to $2 billion; increases to $3 billion with a 10-star Oil Rig.
-
-
-
- Interest Gains:
- Rates vary by period, expressed as an annual percentage rate (APR) (e.g., 5-10%).
- Enhance your APR by:
- Spending merits on Bank Interest (+5% per merit).
- Owning 1.5 million shares of Torn City Investment Banking Stock.
- Example: $2 billion invested for 1 month at 10% APR yields ~$16.67 million (assuming 30 days).
- Interest Gains:
-
-
- The Cayman Islands Offshore Bank:
- What It Is: An offshore bank with unlimited storage and lower interest rates.
- How It Works:
- Access: Travel to the Cayman Islands to deposit or withdraw funds. A 15-second "safety" timer begins the moment you land, during which you cannot be mugged. After this timer expires, you risk being mugged if you haven’t completed your transaction. This timer doesn’t account for lag to the Torn server.
- Process: Deposit any amount while there. Interest is paid monthly based on your lowest balance that month.
- Safety: Funds are secure once deposited.
- The Cayman Islands Offshore Bank:
-
-
- Banking Limit: Unlimited.
-
-
-
- Interest Gains:
- Base rate: 0.5% per month on the lowest monthly balance.
- Increase it with:
- Faction specials (up to +25%).
- "Tax Haven" job special from a 7-star Oil Rig (+10%).
- Maximum rate: 0.675% per month.
- Example: $2 billion at 0.5% earns $10 million monthly; at 0.675%, $13.5 million.
- Interest Gains:
-
-
- How New Players Should Use Banking with Step 2 Earnings:
- Week 1: Invest Earnings in the Regular Bank
After earning money in Step 2 (e.g., from crimes, selling losses, or other activities), invest all your funds into the Regular Bank’s 1-week investment option.- Why 1 week? It’s a short-term option that keeps your money safe from theft and earns interest, while still allowing access after a week.
- Week 1: Invest Earnings in the Regular Bank
- How New Players Should Use Banking with Step 2 Earnings:
-
-
- During the Week: Store Additional Earnings
While your 1-week investment is maturing, you can’t add more money to it. However, you’ll still be earning cash daily from Step 2. To keep this extra money safe, you have two options:- Option 1: Cayman Islands Offshore Bank
Travel to the Cayman Islands and deposit your excess cash.- Pros: Unlimited storage and secure once deposited.
- Cons: Travel costs time and money, and you risk being mugged if you don’t act quickly after the 15-second "safety" timer expires.
- Option 1: Cayman Islands Offshore Bank
- During the Week: Store Additional Earnings
-
-
-
-
- Option 2: Stock Market (Requires 50 Points)
If you have 50 points, buy access to the stock market and invest your extra earnings in stocks.- Pros: Keeps money safe from theft with no travel required.
- Cons: Stock values can fluctuate, so you might lose money when selling.
- Option 2: Stock Market (Requires 50 Points)
-
-
-
-
- End of Week: Reinvest and Repeat
When your 1-week bank investment matures:- Sell any stocks you bought; it’s up to you if you want to sell, as they might be worth less than you paid, or you can wait another week to see if the stock price goes up for a better return.
- Withdraw your matured bank investment (original amount + interest).
- Add the new funds from Step 2 (earned during the week) and the stock sale proceeds (if you sold) to your bank investment.
- Reinvest everything back into the Regular Bank for another 1-week period.
- Repeat this cycle every week until you reach your $2 billion goal.
- End of Week: Reinvest and Repeat
-
Edit 1:
Changes Made: Added the cost of 30 points/day at $35,000 each ($1,050,000/day) to the "Daily Costs" section, updated the total daily expenses, and recalculated the net income and time to reach $2 billion. Thanks to RogerinBrown [2160673] for pointing out my mistake.
Edit 2:
Correction: Removed the Small First Aid Kits cost ($204,000) from the "Total Daily Expenses" since it’s already deducted in the net revenue from losses. Thanks to Kontrast [3561845] for pointing out the error.
![[image: profileimages.torn.com]](https://profileimages.torn.com/ad425e67-b8cf-1df2-2818313.jpg){kind=link}