Fast Route to Every Achievement
Getting all 27 achievements is easier when you handle precision challenges early and save expensive completion goals for a strong late cycle. Bankruptcy is part of normal progression, so a failed bill deadline does not ruin an achievement run.
The safest overall approach is to use the first cycle for basic progress, use the next cycle for risky challenges, then build toward the final bill sequence and post-game collections. Achievements remain obtainable across cycles, and several counters, including paid bills and smashed piggies, accumulate naturally.
| Priority | Achievement goals | Best timing |
|---|---|---|
| Early | 100% accuracy, two accurate runs, 10 piggies | Before attack speed upgrades |
| Mid-game | Strong Start, Multismasher, loan and gamble goals | After gaining damage and starting piggies |
| Late-game | $10,000 run, $1,000,000 held, Super Jackpot | During a profitable high-tier cycle |
| Post-game | Full skill tree and Prestige Jewelry | After paying all bills |
A practical route looks like this:
- Complete both accuracy achievements with the starting Hammer.
- Pay as many early bills as your build can sustain, then accept bankruptcy when progress stalls.
- Spend Legacy Points on permanent power, especially damage, stamina, loot, and starting piggies.
- Use a stronger cycle for gambling, Big Toni, and multi-piggy achievements.
- Finish the bill sequence, collections, shop, and skill tree before your final reset.
- Declare bankruptcy once more only if you still need Rings or Bracelets.
Do not treat every upgrade as urgent. Cash reserved for an imminent bill is more valuable than a small temporary boost that vanishes at bankruptcy.
Achievement Checklist
Most achievements will unlock while playing normally, but knowing the requirements prevents unnecessary restarts. The bill, piggy-smashing, and earnings milestones are cumulative or naturally tied to ordinary advancement.
| Achievement | Requirement | Reliable approach |
|---|---|---|
| Rookie Smasher | Smash 10 piggies | Unlocks during opening runs |
| Serial Smasher | Smash 100 piggies | Continue playing through cycles |
| Bills Must Be Paid | Pay your first bill | Keep enough cash when the first bill arrives |
| One Step at a Time | Pay 5 bills | Normal early-cycle progress |
| Making Progress | Pay 10 bills | Builds across cycles |
| Keeping Up | Pay 20 bills | Usually earned before full completion |
| Better than Nothing | Earn $100 in one run | Comes early with basic upgrades |
| High Roller | Earn $1,000 in one run | Improve damage, loot, and piggy tiers |
| Five Figures | Earn $10,000 in one run | Target during a stronger cycle |
| Fresh Start | Declare bankruptcy | Let an unsustainable cycle end |
The largest money milestones need patience rather than a special exploit. For The Richest Broke Person, hold onto earnings instead of spending every dollar on upgrades. Once high-tier piggies and loot effects are available, skip marginal purchases for one or two successful runs until your wallet reaches $1,000,000.
| Achievement | Requirement | Key detail |
|---|---|---|
| The Richest Broke Person | Hold $1,000,000 at once | Delay optional purchases |
| Piggy Bank Collector | Unlock every piggy bank | Progress through later bill tiers |
| Coin Collector | Complete the coin collection | Keep advancing piggy types |
| Bought It All | Buy every shop item | Leave costly Hammers for a rich cycle |
| Freedom | Pay every bill | Finish the King Piggy and Taxes sequence |
| Maxed Out | Buy every skill tree upgrade | Continue after the ending |
| Prestige Jewelry | Unlock all Rings and Bracelets | May require a final bankruptcy |
| Super Jackpot | Trigger Super Jackpot | Buy its skill tree node first |
Precision, Multi-Hit, and Gamble Achievements
The accuracy achievements are the easiest to miss accidentally. Do them at the start of a save, while the Hammer is slow and only a few piggies are moving across the desk.
For Not a Single Miss, finish one run with 100% accuracy. For Twice as Precise, repeat that result in the next consecutive run. Avoid attack speed purchases until both unlock. Aim through the middle of each piggy, and do not swing toward an escaping target at the desk edge if that risks striking empty space.
Strong Start and Multismasher require different setups:
| Achievement | Requirement | Recommended setup |
|---|---|---|
| Strong Start | Destroy 2 piggies with the first hit of a run | Extra starting piggies, enough damage, larger hit radius |
| Multismasher | Destroy 3 piggies at once | Cluster three weak piggies and use a wide, lethal hit |
| 50/50 | Win a coin flip | Try an early low-stakes Double or Nothing |
| All or Nothing | Gamble all available money | Protect the next bill before committing |
| Eyes on the Piggy | Choose correctly in Piggy Shuffle | Use disposable cash and track the chosen piggy |
For Strong Start, the opening hit must kill both targets. It is not enough to damage two piggies or kill them with separate swings. Wait until your starting group is dense enough and your damage can destroy low-health piggies immediately.
For Multismasher, use weaker piggies instead of attempting to overpower three durable late-game targets. More starting piggies, hit radius, and damage make the setup much more consistent.
Gambling achievements should never endanger bill money. A coin flip win can be attempted early when stakes are low. Piggy Shuffle requires one correct guess, but its movement becomes difficult to follow, so wager only cash you can afford to lose. Go all in only after setting aside enough to pay the next bill.
Loans, Bankruptcy, and Full Completion
Big Toni’s loan achievements are best handled in a stable mid-game cycle. Borrow a small amount when it closes an immediate gap, then repay it after the next strong run. That earns both loan achievements without allowing debt costs to interfere with late-game income.
| Achievement | Requirement | Safe method |
|---|---|---|
| Take a Loan | Borrow from Big Toni | Accept one small loan during a stable cycle |
| Pay Back a Loan | Repay Big Toni | Clear it after a profitable run |
| Freedom | Pay all bills | Complete the final Taxes payment |
| Maxed Out | Buy every skill tree upgrade | Select Keep Playing after Freedom |
| Prestige Jewelry | Unlock all Rings and Bracelets | Reset only after current-cycle goals are done |
Bankruptcy converts paid-bill progress into Legacy Points, which fund permanent upgrades and jewelry. It resets current-cycle resources such as cash, Hammers, gadgets, skill tree progress, and piggy progression. Rings and coins persist, making bankruptcy essential for long-term growth but costly if triggered too soon.
A strong first bankruptcy is usually more useful than trying to drag a weak build through impossible bills. Permanent damage, starting piggies, stamina, and loot make the next cycle far more productive.
Before your final bankruptcy, complete everything that is reset by starting over:
- Buy every shop item.
- Unlock every piggy bank.
- Complete the coin collection.
- Pay all bills and reach Freedom.
- Purchase every available skill tree upgrade.
- Finish the late King Piggy skill branches.
After Freedom, choose to keep playing. This lets you farm enough money for Maxed Out instead of resetting and losing the tree progress. Once that achievement is complete, bankruptcy can provide the Legacy Points needed to buy remaining Rings and Bracelets.
FAQ
How many achievements are in Bills Must Be Paid?
There are 27 achievements, covering piggy smashing, bill payments, earnings, accuracy, gambling, collections, upgrades, and prestige progression.
What should I do first in a Bills Must Be Paid achievement guide?
Prioritize Not a Single Miss and Twice as Precise before buying much attack speed. A slow Hammer makes controlled hits much easier.
Are any achievements missable after bankruptcy?
No permanent achievement is permanently lost from bankruptcy, but resets remove temporary progress. Finish shop purchases, skill tree upgrades, and piggy progression before a planned final reset.
How do I get Super Jackpot?
Purchase the Super Jackpot skill tree upgrade first, then keep farming late-game runs until the event occurs. It cannot trigger before the relevant node is unlocked.
When should I attempt All or Nothing?
Only gamble all your cash when the next bill is already protected or when the money is otherwise disposable. It is an achievement worth risking a small bankroll for, not a bill reserve.
