Money laundering and taxes in Agency Life
Updated October 17, 2026
In Agency City there are two kinds of money: clean money in your bank account and dirty cash from crime. Turning one into the other costs a fee, and the tax office is watching. Here is how it all works.
Dirty money
Loot from crimes and wages from illegal jobs are dirty money. You can spend cash, but you cannot put it in the bank or use it for official purchases without laundering it first. Dirty cash can also be seized if you are arrested.
Laundering
From 16 you can launder money. Without help you can launder €25,000 a year, plus the laundering capacity of every business you own. The fee starts at 30 percent of the amount.
| What helps | Price | Effect |
|---|---|---|
| Contact book | €15,000 | Fee drops to 20 percent, no yearly limit |
| Forger kit | €9,000 | Fee 5 percent lower |
| Owning the laundromat | €95,000 | Fee 5 percent lower, €70,000 laundering capacity |
Income tax
Clean income is taxed every year: salary, pension, rent, business profits and dividends. Dirty money is not taxed. The first €12,000 are tax free, then 12 percent up to €40,000, 22 percent up to €120,000 and 32 percent above that.
| Income per year | Tax | Share |
|---|---|---|
| €40,000 | €3,360 | 8 % |
| €100,000 | €16,560 | 17 % |
| €500,000 | €142,560 | 29 % |
Tax advisor
A tax advisor costs €2,500 a year and saves 15 percent of your tax. That pays off from about €100,000 income a year. An advisor also halves back payments in an audit.
Tax audits
The more money you launder in a year compared to your clean income, the more likely an audit becomes, up to 45 percent. In an audit, 35 percent of the laundered money is due, plus a 15 percent penalty without an advisor, and if you laundered more than €150,000, you also get a star. In sandbox mode without police, nobody audits you.
Tips
Launder in small portions spread over the years, and build a solid clean income alongside, because that makes audits less likely. Buy the contact book early if you plan big heists, and get a tax advisor as soon as you earn six figures. More on the businesses in the business guide.
Keep reading
Businesses in Agency Life: which shop is worth it?All six businesses in Agency Life from the kiosk to the casino, with price, profit and laundering capacity, plus expansions, advertising and raids.Read guide 
Crime in Agency Life: every crime, its loot and its risksAll 16 crimes in Agency Life from pickpocketing to the casino coup, with loot, required respect, skills, gear and how the wanted level works.Read guide 
Stock market guide for Agency Life: all 7 stocks explainedHow the stock market in Agency Life works: all seven companies, their risk and dividends, savings plans, insider tips and a simple investing strategy.Read guide