Pick 1–3 unlocks
Choose the goals that matter to you: a paid-off home, a sabbatical, generational wealth. Your race, your finish lines.
The MMO for money
A rat race you can win.
Rat Race turns your net worth into a game worth playing. Pick 1–3 goals, enter one rough number, and get a projected date for each. Then watch the dates move closer as you climb.
We’re building in public. Join the waitlist for early access.
Refer friends after you join to move up the launch queue.
The problem
“A number without a trajectory is trivia; a number with a date is a plan.”
Most wealth tools show you a number and stop there. A balance is a snapshot. It tells you where you stand, not where you’re headed or when you’ll arrive.
Rat Race gives every number a trajectory: your league, your progress, and the dates your goals actually land. Trivia becomes a plan. A plan becomes a race you can win.
How it works
Racing in three steps
No setup marathons. No financial degree required. You’ll see your race in under a minute.
Enter one rough number
No bank logins, no spreadsheets, no perfectionism. One honest estimate of your net worth is enough to start.
See your race
Instantly get your league, your progress toward each unlock, and the projected dates you'll hit them.
First look
The app is still a sketch. The idea isn’t.
Concept art from the build: the trajectory view, and the card that turns a goal into a date.
See the app
Vision preview · Coming soonA glimpse of the race to come.
An interactive sketch of the coming Rat Race app: the trajectory view, unlock cards, and streaks, running on example data. Poke around. Everything here responds.
Interactive sketch · example data. The app is still being built.
The trajectory, drawn
One line with every goal on it. Hover or tap a marker to reveal its projected date. The whole app starts here.
Unlock cards
Milestones with dates, not balances. Each card carries its projected date and progress. Tap one to see what could move it sooner.
Streaks & badges
The game layer. Weekly check-ins keep the streak alive; badges mark the moments worth celebrating. Go ahead, tap them.
The leagues
Every wealth level, one race
Your league is set by your net worth. But the race is always against your own goals, never against anyone else’s balance.
$0 – $1M
The Climb
Building the foundation. Every dollar saved is experience points toward your first million.
“Everyone starts here. Winners keep going.”
$1M – $10M
The Freedom
Work becomes optional. Your money starts pulling its own weight, and then some.
“The grind becomes a choice.”
$10M – $100M
The Empire
Capital becomes a team. Businesses, portfolios, and assets working while you sleep.
“Play at a bigger table.”
$100M+
The Dynasty
Wealth that outlives you. The long game: legacy, philanthropy, and the next hundred years.
“Win the race for generations.”
Alone, together
Your race. Everyone’s arena.
Money is personal. Rat Race is built for the way people actually relate to wealth: privately ambitious, quietly competitive, and allergic to bragging.
- Solo-firstYour home screen shows YOUR race: your league, your unlocks, your dates. Not a social feed.
- Ambient multiplayerBuilt for atmosphere, not noise. It feels like a shared arena around your solo race, with none of the feed pressure.
- Compare progress, never wealthLeaderboards rank % toward personal goals, so a $50k racer can outrank a $5M one. Raw balances stay private.
- Lurker-friendlyNo posting required, ever. Watch, track, and climb quietly. The race works just as well in the shadows.
Live · validating now
Building in public
No hype. Just the build.
We’d rather earn your trust than manufacture it. Here’s exactly where things stand:
- This is V0. We're validating the idea. This page exists to find out if people want Rat Race before we build the app.
- No fake numbers. You won't find invented user counts, testimonials, or “trusted by” logos here. When we have real users, we'll say so.
- Help shape it. Waitlist members get early access and a direct say in what gets built first. The race is being designed in the open.
- The thesis lands: brand, leagues, and the trajectory-first idea take shape.
- theratrace.app goes live. The waitlist opens.
- Validating. Every waitlist signup is a vote for the race.
- Weekly drops: short videos, league carousels, build-in-public threads. Then a public verdict on whether the race is real.
Building in public. Follow the journey on:
FAQ
Honest answers
No marketing fog. Where we don’t know yet, we say so.
What is Rat Race?
Rat Race is a gamified wealth tracker, “the MMO for money.” You set 1–3 financial goals (“unlocks”), enter a rough net-worth number, and Rat Race shows your league, your progress, and projected dates for each goal. The app itself is still being validated and built; this page is step one.
When does it launch?
TBD. We're in the validation phase right now (V0): measuring interest before writing the app. Join the waitlist and you'll be first in line for early access when there's something to try.
Is my data private and safe?
Privacy is a core design principle. Raw balances are never shown to other users: comparisons are always % toward personal goals, never dollar amounts. Your data stays yours; we will never sell it. Full privacy and security details will be published before launch.
Is this financial advice?
No. Rat Race is a tracker, not an advisor. It shows your trajectory and projected dates from numbers you enter. It won't tell you what to buy, sell, or do with your money.
Why join a waitlist for an app that doesn't exist yet?
Because the waitlist is the vote. We're measuring real interest before writing the app. Joining gets you early access when there's something to try, and a direct say in what gets built first.
How is this different from my bank's dashboard?
Your bank shows a balance. Rat Race draws the line: your league, your progress, and the dates your goals land. A game layer makes the climb worth checking.
How much will it cost?
Pricing is TBD. The direction we're committed to: manual tracking stays free. Anything paid would be for optional extras, decided with early users. Not sprung on them.
Do I have to connect my bank accounts?
No. Manual entry will always be an option. One rough net-worth number is all you need to start. Whether we add optional account connections later is still TBD.
Who is Rat Race for?
Any wealth level, from $0 to $100M and beyond. The leagues (Climb, Freedom, Empire, Dynasty) meet you where you are. The race is always against your own goals, never someone else's balance.
Early access
The race is forming.
Join the waitlist for early access, and a say in what gets built first.
We’re building in public. Join the waitlist for early access.
Refer friends after you join to move up the launch queue.