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For when you're too big to fail...
~ In-game description

Monkey-Nomics is the fifth upgrade of Path 2 for the Banana Farm in Bloons TD 6. It replaces the IMF Loan ability with a new ability: Monkey-Nomics. It still earns $9,000 ($10,000 with BackroomDealsIcon Backroom Deals), but there's no loan to pay back. The cooldown for the ability is now 60 seconds instead of 85 seconds with no penalty (besides the fact that the ability can only be used two times per round or within 3 minutes, whichever comes first, unless sold and rebought).

Monkey-Nomics, similar to IMF Loan and Monkey Bank, earns $225 each round and stores it in the bank; this number can be increased by $50 for each top path upgrade for a maximum of $325 ($338 with MoreValuableBananasIcon More Valuable Bananas). Again, just like the IMF Loan's Bank income function, this bank can hold up to $10,000, but any amount of money can be withdrawn anytime. The bank also earns 15% interest each round, producing money exponentially each round.

This upgrade costs $85,000 on Easy, $100,000 on Medium, $108,000 on Hard, and $120,000 on Impoppable.



Nomics default ability

Monkey-Nomics ability activated. Note the resulting money gain.

Unlike IMF Loan, Monkey-Nomics's outer walls are made from bricks instead of metal plates, with a darker concrete color and not the teal color of IMF Loan. Monkey-Nomics also has two entrances besides the one at the front, which is the only one who has stairs and yellow stripe shaders above the three entrances. The eight orange windows now are four bigger yellow ones. The banana sign is remade to be a rectangle now and not just a picture of a banana. The roof also has nine windows, three on each side and a yellow stripe flag on top.

Upgrading from IMF Loan to Monkey-Nomics, the Monkey-Nomics offers no debt for every usage of its ability, and the cooldown for the Monkey-Nomics ability is reduced.

Activated Abilities[]

See also: Activated Abilities (BTD6)#Monkey-Nomics

Monkey-Nomics Ability

When the Monkey-Nomics ability is activated, Monkey-Nomics produces an instant $9,000 ($10,000 with BackroomDealsIcon Backroom Deals). The Monkey-Nomics ability has a cooldown of 60 seconds. Once the Monkey-Nomics is bought, its ability will undergo a full initial cooldown regardless of its previous upgrade's ability.

Much like all money-only abilities, the ability can only be used a limited amount of times per round, up to twice per round for each Monkey-Nomics. Starting from Version 28.0, all income-based abilities including Monkey-Nomics are capped at 3 minutes per round to prevent infinite income exploits. After Version 39.0, the ability cannot recharge its cooldowns during penalty timers in competitive events like Ranked Boss Bloon Events and CT Bosses.

Targeting Priorities[]

Monkey-Nomics, which stores money in its bank account similarly to its preceding upgrades Monkey Bank and IMF Loan, does not have a real targeting priority. Instead, it has different buttons that alter its behavior.

Monkey-Nomics comes with two "targeting priorities" by default: Collect, and Collect All. "Collect" withdraws all money from the current Monkey-Nomics, while "Collect All" withdraws all money from all Banks (including Monkey-Nomics) on screen. If given the Bank Deposits MK, Monkey-Nomics also receives the Deposit button, which deposits money into the IMF Loan's bank account.


Updated as of Version 43.0. Listed prices exclude external buffs, any sacrifices, and Monkey Knowledge.
[Module | Data] Purchase Sell
Costs Easy Medium Hard Impoppable Easy Medium Hard Impoppable
Upgrade (X-5-X) $85,000 $100,000 $108,000 $120,000 -
Total (0-5-0) $96,215 $113,200 $122,255 $135,840 $67,351 $79,240 $85,579 $95,088
Crosspath (1-5-0) $96,640 $113,700 $122,795 $136,440 $67,648 $79,590 $85,957 $95,508
Crosspath (2-5-0) $97,150 $114,300 $123,445 $137,160 $68,005 $80,010 $86,412 $96,012
Crosspath (0-5-1) $96,425 $113,450 $122,525 $136,140 $67,498 $79,415 $85,768 $95,298
Crosspath (0-5-2) $96,765 $113,850 $122,955 $136,620 $67,736 $79,695 $86,069 $95,634

This upgrade's prices (or included crosspath's prices) are affected by the following MK: FlatPackBuildingsIcon Flat Pack Buildings, FarmSubsidyIcon Farm Subsidy, BetterSellDealsIcon Better Sell Deals



Monkey-Nomics excels at providing massive income in later rounds, as it generally takes longer time to progress each round the further the game goes. In some cases in the late-game, it can make even more income than other Bank methods. Additionally, it requires little management to repeatedly tap the ability compared to managing alternate forms of income.


  • This upgrade's high cost makes it fairly situational. It is most useful if the player is planning on going deep into Freeplay since the ability plus the bank functionality makes this arguably the most profitable Banana Farm upgrade when used on its own. If just playing a normal game up to round 100, though, normal Monkey Banks or IMF Loans should suffice.
    • Unlock the BackroomDealsIcon Backroom Deals MK, as it increases this income gain to $10,000 per usage.
  • It retains its bank's cash-generating properties, so make sure to collect its bank balance regularly.
  • Try stalling the rounds as much as possible in order to get the maximum usage per round for Monkey-Nomics. Note that the cap for Monkey-Nomics ability is two times per round per Monkey-Nomics.
  • Add an Energizer to the map for the 20% decreased cooldown for Monkey-Nomics. This will definitely increase viability of Monkey-Nomics because more abilities can be activated sooner.
  • When it comes to crosspathing, 2-5-0 is generally better for pure income, like a pure IMF Loan bank, but 0-5-2 has its uses for sell-and-rebuy strategies, which gives more sellback.
  • Depositing twice every two rounds is the optimal way to take advantage of Monkey-Nomic's regular cash generation via BankDepositsIcon Bank Deposits.
  • For Boss Bloon Events, Monkey-Nomics is a worthwhile way to supplement income for the late-game once a rigorous farming set-up has been established. When provided with consistent deposits and the Energizer boost, Monkey-Nomics will earn more than an Overclocked and Banana Central-boosted Banana Research Facility.

Version History[]

Balance Changes[]

General nerfs to income-related abilities are the most significant to making Monkey-Nomics overall weaker than it did when it was first released into BTD6. Regardless of these nerfs, Monkey-Nomics is still among many viable late-game options at producing large quantities of income.

  • NERF Monkey-Nomics now has a limit of two uses per round, to prevent infinite stalling income.
  • NERF Monkey-Nomics ability (along with other income-based abilities) now undergo the full initial cooldown before initial ability usage.
  • NERF Monkey-Nomics bonus cash produced per round reduced from $160 to $150.
  • NERF Bug: If the IMF Loan's debt has not been paid off, upgrading to Monkey-Nomics would permanently disable the ability.
  • BUFF Bugfix of above bug.
Banana Farm's xx2 upgrade is the inferior crosspath, so we've amped up the utility with the lazy aspect so that if it's going to be inferior for production, it's at least going to be extra lazy & less far behind. [...]
~ Ninja Kiwi, referring to Banana Salvage
  • BUFF 0-5-2 crosspath affected by various 0-3-2 Bank buffs
  • NERF Monkey-Nomics ability now has a 3 minute timeout from the start of each round
For sake of consistency we want Monkey Bank to increase in cash generation when used with sources that externally buff generation so everything works as expected, however along with this buff the current power of IMF loan on this path already feels too strong so we are lowering that power for IMF Loan in exchange.
~ Ninja Kiwi
  • BUFF Monkey-Nomic's ordinary cash generation will now increase in cash generation with external buffs. Note that this still doesn't affect its ability.
  • NERF Monkey-Nomics bonus cash per ability reduced from $10,000 to $9,000
  • NERF Monkey-Nomics bonus cash per ability with BackroomDealsIcon Backroom Deals Monkey Knowledge reduced from $12,000 to $10,000

Bug Fixes and General Changes[]

Extra Notes (Version History)[]


When the Monkey-Nomics Bank's balance is collected until Version 14.0 and since Version 42.0:

When the Monkey-Nomics Bank's balance is collected since Version 31.0 until Version 42.0:

When activating Monkey-Nomics Ability:


Official artwork[]


  • Prior to Version 8.0 nerf to income abilities, Monkey-Nomics had no initial cooldown. This meant that a Monkey-Nomics nearby two or more Favored Trades (at the time, the sellback could stack) could be used to continuously activate the ability and gain a profit from selling and rebuying with re-activation of the new fresh ability.
  • The description "For when you're too big to fail..." is a reference to the Financial Crisis of 2007-2008, where debt-free loans were a common practice, targeting especially for low-income homebuyers, as a result of home mortgage companies failing to properly control mortgage debt from its customers.
    • In fact, the finance and banking term "too big to fail" is a theory that identifies a company so large and interconnected that a financial disaster would theoretically cause an entire economy to collapse.
  • "Monkey-Nomics" is an obvious reference to the word "economics", which in fact refers to the science of resource management, including finances.
    • It could also be a reference to "Reagan-Nomics", a nickname for a set of economic policies instituted by United States president Ronald Reagan.