Quick Answer: Bills Must Be Paid has 27 achievements, all public since July 31 with descriptions and global stats. The whole set is a 3-5 hour, one-sitting 100% — nothing needs a second playthrough. The natural arc plus three deliberate systems covers everything: the gambling trio (50/50, All or Nothing, Eyes on the Piggy), the loan pair (Take a Loan / Pay Back a Loan), and the completion trio (Bought It All, Prestige Jewelry, Maxed Out). The rarest is Maxed Out at 26.9%, and it has a trap: beat the final boss first and you must keep playing the same cycle to finish the tree, because bankruptcy resets it.
Version note: Global rates below were captured July 31, 2026, two days after release, and early numbers skew toward dedicated buyers. Assembled from the official Steam achievement list and global stats, official screenshots, developer forum replies and the first community achievement guide, linked inline. Updated August 5.
Piggy Shuffle: pick the right piggy after the shuffle to double your stake — and to unlock Eyes on the Piggy. (Screenshot: Rike Games)
All 27 Achievements, in Unlock-Rate Order
Sorted by global rate, the table doubles as a rough completion order.
| % | Achievement | Requirement |
|---|---|---|
| 100% | Rookie Smasher | Smash 10 piggies |
| 100% | Bills Must Be Paid | Pay your first bill |
| 100% | Better than Nothing | Earn $100 in a single run |
| 100% | Not a Single Miss | Complete a run with 100% accuracy |
| 100% | Twice as Precise | Maintain 100% accuracy across 2 consecutive runs |
| 99.0% | Serial Smasher | Smash 100 piggies |
| 97.3% | Fresh Start | Declare bankruptcy and start a new cycle |
| 97.0% | One Step at a Time | Pay 5 bills |
| 93.0% | 50/50 | Win a coinflip |
| 92.8% | Strong Start | Destroy 2 piggies with your first hit of a run |
| 92.8% | High Roller | Earn $1,000 in a single run |
| 90.0% | Making Progress | Pay 10 bills |
| 87.1% | Multismasher | Destroy 3 piggies at once |
| 77.9% | Five Figures | Earn $10,000 in a single run |
| 75.7% | Take a Loan | Call Big Toni and take a loan |
| 70.9% | Keeping Up | Pay 20 bills |
| 64.8% | All or Nothing | Go all in on a gamble |
| 52.8% | The Richest Broke Person | Own $1,000,000 at once |
| 51.4% | Pay Back a Loan | Pay Big Toni his money back |
| 48.3% | Eyes on the Piggy | Pick the correct piggy in Piggy Shuffle |
| 39.1% | Super Jackpot | Hit the Super Jackpot once |
| 37.1% | Piggy Bank Collector | Unlock every piggy bank |
| 35.1% | Coin Collector | Complete the full coin collection |
| 34.8% | Bought It All | Buy every item in the shop |
| 34.0% | Freedom | Pay all your bills |
| 30.6% | Prestige Jewelry | Unlock all rings and bracelets |
| 26.9% | Maxed Out | Buy all skill tree upgrades |
Ignore any list that names a 28th achievement. Steam exposed only 13 of these on day one, and a launch-day forum thread floated an extra name that doesn't exist in the official set.
Maxed Out (26.9%) — Keep Playing After the Boss
Beat the final boss without a full skill tree and it looks like you've locked yourself out. You haven't. The developer's answer in the forum thread: "You can just keep playing. If you've not declared bankruptcy you'll be able to purchase all the missing upgrades" — and the player confirmed it worked.
The flip side matters more. Declaring bankruptcy resets that cycle's skill upgrades, so if you reset after the boss you must refill the tree in a later cycle.
Expect the tree to keep growing at the end. Beating the boss unlocks around a dozen extra nodes, and paying off the final bill unlocks more still — two players independently hit Maxed Out only after buying those late arrivals. If the tree looks fully bought early on and the achievement hasn't popped, it isn't bugged. Keep paying bills and keep buying until the checkmark actually lands.
Prestige Jewelry (30.6%) — The Case Is Bigger Than It Looks
You need every ring and both bracelets. Early "100%" posts claiming completion while missing rings predate the full achievement list and don't hold up.
There's a second layer. A player who bought everything visible in the jewelry case saw nothing pop — until they declared bankruptcy, returned to the case, and found a hidden piece priced at 1,000,000 waiting (single report, self-answered, and it matches the skill tree pattern exactly). Buying it landed the achievement.
Prestige Points only come from new bill records, which is why completionists run cycles 3-5. The Bankruptcy & Prestige Guide covers how to farm PP efficiently.
Eyes on the Piggy (48.3%) — Film It
The shuffle is faster than most players can eye-track, which is why this one lags the achievements around it.
The community cheese, from the first player-written guide: record the shuffle with your phone and scrub the video in slow motion. You only need it to land once, and the minimum bet works.
The Gambling Trio and the Loan Pair
Do the gambling three — 50/50, All or Nothing, Eyes on the Piggy — early, when your stake is pocket change. The mini-games are optional for beating the game, so there's no reason to bet real progress on them.
On the coinflip: the developer says it's a genuine "50/50 (physics)" simulation, acknowledged it "does not feel or turn out to be fair enough," and is considering tilting it toward the player. Nothing has shipped. Flip small and retry.
For the loan pair, call Big Toni, borrow, then repay through the entry beside your bills in the bill menu. The cut Toni skims off your earnings does not count toward repayment (community report), so repay fast — the skim is pure loss.
The Rest of the Late List
- Super Jackpot (39.1%): jackpot multipliers proc while smashing. Invest in the skill tree's luck branch if it's being stubborn; no proc rate is documented.
- Piggy Bank Collector (37.1%) / Coin Collector (35.1%): both fill passively across a full arc. Check the collection tabs before your final cycle so you're not hunting one last coin after Freedom.
- Bought It All (34.8%): the shop ladder runs $4,000 → $50,000 → $250,000 → $1,000,000 → $10,000,000 for hammers, plus décor up to $210,000. The $10M ceiling lands late, once per-run earnings go exponential. The Richest Broke Person ($1M on hand, 52.8%) falls on the way.
- Freedom (34.0%): pay every bill. Build PP off new bill records, buy the permanent rings and bracelets, and the final bills fall.
FAQ
How long does 100% take? Roughly 3-5 hours. Around ten players who posted completions in the first two days report 2.9 to 4.7 hours, finishing on prestige cycles 3 to 5. The developer's pre-release estimate of "around 2-5 hours" agrees.
Are any achievements missable or luck-gated? Nothing is permanently missable — the game is cycle-based and every system stays available. Two soft traps: Maxed Out (don't bankrupt after the final boss) and Eyes on the Piggy (cheese it with a slow-motion recording). Super Jackpot is the only pure-luck gate, and it retries indefinitely.
Do the hidden achievements need a second playthrough? There are no hidden achievements. All 27 are public as of July 31, and the full set falls inside one 3-5 hour sitting across a few prestige cycles.