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

Monkey-Nomics is the fifth-tier path 2 upgrade for Banana Farm in Bloons TD 6. Monkey-nomics, similar to IMF Loan and Monkey Bank, earns $230 each round and stores it in the bank, this number can be increased by $40 for each top path upgrade for a maximum of $310. Again, just like the IMF Loan's Monkey Bank income function, this bank can hold up to $10,000, but any amount of money can be withdrawn anytime.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.

It replaces the IMF Loan ability with a new ability. It still earns $10,000, but there's no loan to pay back. The cooldown for the ability is now 60 seconds instead of 90 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). Additionally, the Backroom Deals monkey knowledge affects the ability so that it provides $12,000 instead of $10,000, similar to IMF Loan.

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



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.

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.

Monkey-Nomics Ability[]

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

When activated, Monkey-Nomics produces an instant $10,000. 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. The Monkey-Nomics ability can only be used up to twice per round for every 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.


Updated as of Version 32.0. Listed prices exclude external buffs, any sacrifices, and Monkey Knowledge.
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) $96,345 $113,350 $122,420 $136,020 $67,442 $79,345 $85,694 $95,214
Crosspath (1-5-0) $96,770 $113,850 $122,960 $136,620 $67,739 $79,695 $86,072 $95,634
Crosspath (2-5-0) $97,280 $114,450 $123,610 $137,340 $68,096 $80,115 $86,527 $96,138
Crosspath (0-5-1) $96,555 $113,600 $122,690 $136,320 $67,589 $79,520 $85,883 $95,424
Crosspath (0-5-2) $96,725 $113,800 $122,905 $136,560 $67,708 $79,660 $86,034 $95,592

This upgrade's prices (or included crosspath's prices) are affected by the following MK: FlatPackBuildingsIcon.png Flat Pack Buildings, FarmSubsidyIcon.png Farm Subsidy, BetterSellDealsIcon.png 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.png Backroom Deals MK, as it increases this income gain to $12,000 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.

Version History[]

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-Nomic ability now has a 3 minute timeout from the start of each round


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

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

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.
    • 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.