Meow and Economy

Overview

inZOI uses a dual currency system. Meow (also called Mew) is the everyday currency earned from jobs, selling items, and other in-game activities. Meow Coins (also called Purr Coins) are a secondary currency earned exclusively through completing Urges and Ambitions, and can only be spent at the Meow Store on special donut items that provide temporary buffs. The two currencies exist in parallel and cannot be exchanged for each other.

Meow

Meow is used for everything in daily life: buying furniture, purchasing clothing, paying utility bills, buying food and groceries through the Pocket Market on the smartphone, purchasing vehicles, and repaying loans. It functions exactly like money in the real world.

Ways to Earn Meow

Spending Overview

The largest expenses for most households include:

• Housing costs (rent, mortgage, or property purchase)

• Utility bills (electricity, water, gas) billed periodically

• Food costs (cooking ingredients, restaurant meals, delivery)

• Furniture and home decoration purchases

• Clothing and accessories from shops

• Loan repayments if the household has taken out bank loans

• Insurance premiums for property and life coverage

Banking

Savings Accounts

Zois can deposit Meow into savings accounts at the bank, which earn interest over time. This provides a passive income stream and protects savings from being spent impulsively by other household members.

Bank Loans

Both Narae Bank and Southwest Bank offer loans to Zois who need funds for property purchases or business investments. Loans come with interest rates and repayment schedules. Missing payments incurs penalties. See Loans and Banking for full details.

Loan Sharks

For Zois who cannot qualify for bank loans, underground loan sharks offer high-interest alternatives. These come with severe consequences for missed payments, including threats and property damage. Using loan sharks is tied to the crime system.

The Lottery

Zois can purchase lottery tickets for a chance at large Meow prizes. See Lottery for full mechanics and odds.

Welfare System

Households whose total funds drop below a certain threshold automatically receive welfare payments to prevent complete destitution. This safety net ensures that Zois can always afford basic necessities like food, but the payments are modest and not enough to maintain a comfortable lifestyle.

Top Earners

The highest-paying career paths in inZOI include:

• Westside Hustler Boss (Criminal career) at 2,169 Meow per shift

• Senior Partner (Law career) at high-tier pay

• Star Football Player at top-tier pay

• Top Idol (Entertainment career) at high-tier pay

• Running a successful business can potentially earn more than any salaried career

Meow Coins

Meow Coins are a secondary currency completely separate from Meow. They are earned exclusively through completing Urges and Ambitions, and can only be spent at the Meow Store on special donut items. Meow Coins are tracked individually per Zoi and cannot be shared between household members.

Earning Meow Coins

Urges are short-term impulse tasks that appear randomly based on a Zoi's Traits, Values, Hobbies and Preferences, age group, and career milestones. Up to 4 Urges can be active simultaneously, each with a 12 in-game hour timer. Completing an Urge rewards 5 Meow Coins plus a positive mood boost.

Ambitions are long-term life goals available to Young Adults and older. Each of the 22 Ambitions has 3 completion levels with increasing rewards:

Accessing the Meow Store

Press the Zoi Card (O key) and select the Meow Store button above the Ambitions tab. Each Zoi has their own separate store and balance. Donuts are consumed immediately upon purchase, and timed effects begin the instant you buy them.

Donut Catalog

The Meow Store sells donuts organized into several categories:

Need-Filling Donuts

Instantly fill a specific need gauge to maximum.

Slow Depletion Donuts

Reduce the rate at which a specific need decays for a period.

Enduring Donuts

Prevent a specific need from decaying at all for a limited time.

Emotion Donuts (6-Hour)

Force a specific emotion for 6 hours.

Max Emotion Donuts (12-Hour)

Force a specific emotion at maximum intensity for 12 hours.

Emotion Modifier Donuts

Boost the rate at which positive emotions are gained or reduce negative emotion intensity.

Skill and Special Donuts

Karma Donuts

Spending Strategy

Donut purchases should be timed around specific needs:

• Use Skill Boost Donuts before long skill-grinding sessions

• Use Enduring Energy Donuts before work shifts to avoid the Zoi falling asleep

• Use Relationship Boost Donuts before dates or social events

• Use Luck Donuts before mining trips or job performance reviews

• Save Karma Donuts for when your Zoi's karma is dangerously low before death