Careers Rework & Banking
Making this mod was a wild ride, largely because the careers in game are a mess.
This mod requires The Core Library
Please read the description carefully, especially if you're interested in the Careers Rework.
UPDATES:
04/02/2026 Patch (Careers addons and some optional files)
Banking System
(This part of the mod can be used as standalone and acts as a main file for everything else)
The banking system is rather straightforward and similar to many other systems. Sims can open a bank account from their phones under the Home category.
The bank offers the usual services you might expect:
Sims can manage their savings from the phone app:
The bank account is specific for that Sim and isn't shared with the rest of the household.
Here's a breakdown of the more obscure options:
Open Account For... : Allows Sims to open a bank account for the minors under their care. Caregivers can open accounts for care-dependent Sims as young as infants and manage them until the child reaches the age of a teen. When an adolescent Sim checks their account for the first time, their caregivers lose access to it, and the teen is free to handle their money autonomously. (See the linked video)
Designate Beneficiary : If a Sim dies, the mod will attempt to transfer the money from their account to the household founds. If the Sim has a specified beneficiary, this step is bypassed, and the beneficiary will have access to the deceased sim's account to withdraw the funds. However, accessing the money might require summoning the ghost.
Send Money To... : Allows Sims to transfer money from their account to the account of a friend. (See the linked video)
Loans:
Requesting a loan isn't as simple as clicking on the button and obtaining the money; there is a hidden score that determines if your Sim is eligible for a loan. Getting a small loan is easier than getting a big one. Once you apply for a loan, you need to wait a couple of days to get the reply. The money is deposited in Sim's bank account.
Repayments are automated in accordance with the terms of the loan. If you miss a payment, you will receive a notification and have the option to pay the fee manually. The bank automatically deducts the loan amount from the Sim's bank account, never from the household funds. If your Sim fails to return the loan, the bank will deduct what it can from the household money and change the score to a negative figure, making securing another loan nearly impossible for that Sim.
Retirement Plans
This is a unique savings account designed for Sims that work as freelancers or in the acting profession. I created this because I discovered while creating the mod that Sims in such jobs cannot retire (Maxis blacklisted them) and have no backup plan for when they become elders. Sims in regular careers can also open a savings account if they wish.
The retirement plan has a much higher interests rate than a regular account, but it's frozen until the Sim becomes an elder.
Video of the Banking System
Banking System DOWNLOAD (GDrive)
Careers Rework
These are edits to Maxis careers to change the way they work:
Adds an experience requirement to get a promotion:
Experience is gained from going to work. Having a relevant degree and relevant skills makes the experience go up faster.
Adds a degree requirement to get a promotion to some careers.
Adds 4 new minor skills (Street Arts, Hacking, Storytelling, Swimming) to get rid of the Logic Skill that is overused by Maxis.
Makes the salary weekly:
Sims can check their salary details from the phone:
Does NOT cover freelance careers and the actor career. Only works for Maxis career.
These files override ALL THE CAREER LEVELS and ALL THE ASPIRATION TUNINGS therefore they conflict with any mod doing the same (not compatible with mods that overhaul the careers already).
Sims will still get money daily when they overmax past Lv10 (unless you also install my private "No Work from Home" file).
DOWNLOAD:
Separated Files [^] (pick and choose if you don't have all the packs)
Merged File [^]
Cheats
There are a number of cheats accessible with shit+click on the Sim while testingcheats on is enabled, allowing to make the experience increase faster and to disable the career chance cards (the random popups while the Sim is at work, requires optional file below)
Optional Files
When installing the career rework, the statistic that makes the weekly payment possible isn't applied to sims that already had a career before installing the mod. This addon's purpose is fixing that issue.
I made this because I was annoyed by two things: 1. the Astronaut Career, am I supposed to believe that a Sim goes off on a space mission and is back home for dinner?! 2. the Painter/Critic career track duplicated in City Living by the Critic career. I changed this track to Street Artist.
This file only overrides the String Tables to change name and description of the careers.
"Disable chance cards" cheat.
Applies the "disable chance cards" cheat to the schools too.
Family Leave [^]
Makes family leave last 12 weeks (you can go back to work at any moment by selecting the option on the phone)
There are other optional files that are pretty much private because I don't think anyone else besides me is interested:
No Work From Home : changes the careers that have the "work from home" option into regular careers
No Objects Rewards : remove the spamming of object rewards in the household inventory when a Sim is promoted
No Career Jumps : removes the level benefits from the university degrees that let you skip ahead in a career.
Comments (39)
With Zero_CR_Addon_Careers_Merged my sims are not able to paint a mural. I have removed all mods and this one seems to be the cause. I haven't tried the individual unmerged packages though.
Hi, what causes sims to gain the swimming skill? My sim has a pool she swims in almost everyday, but still no swimming skill unlock/gain. Does Fitness need to be maxed or something?
I've added the addon career packages for the games I have but it's getting rid of the wage my sims get. Its blank where the salary would be and when they come home from work it says they earned $0. Seems to be with the Discover University one =)
this was the error: [manus] Failed to load attributes for sim Liberty. (AttributeError: 'NoneType' object has no attribute 'add_statistic')
I am getting Better Exceptions LE's for this mod (along with the looking for employment mod) Specifically, it says there is invalid tuning for: career_Astronaut_Level2 career_Astronaut_Level7
i just downloaded and BE is saying bad tunning & "[manus] Failed to load attributes for sim Liberty. (AttributeError: 'NoneType' object has no attribute 'add_statistic')" - its the Astronaut level 1 & 2. i posted in discord in sims 4 modding.
I like the idea of the Banking mod. I've just downloaded it to install. Could you make something similar for furniture and other items in the household? I would like a family to split up and have the Sim moving keep their own furniture and etc. Also, if the Sim is moving the children, all those cribs, toys, etc could be moved with them. Some can be added to inventory of the Sim, some do not. I found a crate mod that worked for this but it stopped working a year or so ago.
Hiya. I have two questions: 1) EDIT TO ADD: have possibly fixed this with adjusting the cheat, but would still be curious as to your answer Gaining experience: I see that having a degree increases experience (which is great) and I want to check how quickly it is meant to improve when you don't have a degree? Right now, experience goes up by 1 per day worked and 50 is needed for a promotion. I have the life span set to normal, so at this rate there will be no promotion until my sim is well into adulthood. This is going from level 1 to 2 in the entertainer career 2) (which may be a cause of the above issue if its meant to go up by more than 1) I don't have every pack, but do currently have the merged career overhaul installed in the hopes that it would function as normal. If this is causing potential issues, do you need to install every package file for each pack you have? Or just the package file for the latest EP you own (which for me is high school I believe)
You can adjust the experience with cheats, 1 point is meant for long lifespan. Degrees double the rate of experience gain so it depends on your settings. Don't use the merged file if you don't have all EPs required, careers cause LEs on load if they can't find the necessary references.
Hi! It breaks Sims’ bathroom interactions at work. Tested with all other mods off—definitely this one. Zero_CR_Addon_Careers_Merged - this file. Sims have red need bar full work day 😭
Did you update after the patch?
Could no work from home be installed and function without the rest of the mod? Just curious.
yep it can
Hi Zero. I am receiving a LE and BE on your Career mod. I have all the EP and GP installed and I am not using other mods changing the Astronaut career. Package File \002 GamePlay -- Careers Overhaul\Zero_CR_Addon_Careers_Merged.packageShow Tuning Invalid Tuning career_Astronaut_Level2 career_Astronaut_Level7
I need more details on it. Can you drop the LE somewhere like a file sharing or discord?
With the retirement account, is it possible to setup automatic payments out of each pay check? If not, is that a possible feature?
Yes it's already possible to set automatic payments
Your Banking system is the best so far. Love the separate access to funds
Hello is this compatible with newest update on 08/19?
I've come to realise that I don't like any banking systems that I tried. Then I remembered about yours, but now guess it's outdated. Will there ever be a change it gets updated? ^^ Thank you.
It's not outdated. It overrides nothing about the game, it's all new tuning.
At what level of relationship can I name a beneficiary? My Sim is engaged and they live together. But apparently I don't know anyone I can name as a beneficiary. ;( The link from School Chance Cards still doesn't work!
I forgot to fix the link, I'll fix it later. The beneficiary must be outside of the household. When two Sims are in the same household, the transfer is automatic.
Then another question about the performance system: How is someone with a normal lifespan supposed to manage to get from level 8 to level 9 in marine biology? 1,800 is very, very high. I got 3 points after 7 hours of work. I left school at the top of my class and graduated from university with a degree in biology with honors.
There is a cheat (shit click on the Sim) to adjust how many experience points a sim gets each day.
Hello, Yesterday I invested a lot of time reading everything and watching the video, then I installed the mod. So far so good, I chose marine biologist, it was my first day at work. When I got home, there was no message from the bank telling me how much I had earned that day, like in your video. I got a system message saying that I had earned 0 Simolions and that I had done a good job, keep it up. Am I earning something now or not? How can I check? I don't want to work for free for a week either.
Yeah the message cannot be removed without altering all the career files. You can check if the salary is being counted under the business category on the phone (check salary) it counts both the hours worked and the money earned
This mod was just flagged as a bad tuning mod - /!Tuning Mods/Careers/Zero_CR_Main_FinancialSystem.package was what caused the error. I had my active sim (one who had the carer prior to installing any of the CR mods, but I did install the addon so it seems to work) on an extended vacation because she had 17 days of PTO. She also gets significantly more pay than the max level, so she gets paid additionally daily. The exception occurred after she received her overage pay for the day off. She has 15 days PTO, so not sure why it happened, it is only Thursday in the game. She is top of the scientist career. I will try to reinstall the packages and see if it fixes it, but I thought I'd bring it up. I do have the exception file if you want to see it.
Another issue I've found is that the banking system adds a Storytelling skill and a Street Art skill. Not sure if this was intended or not.
I use the banking system and my sim can't apply for a loan. Every time the application gets sent off I get no response.
Test the mod with only the core library inside.
Damn, Is there a possibility that you could make add on where you can change the hours so the working are more realistic M-F jobs
No, I'm quite ok with maxis set up for most careers. Changing the working hours means also unbalancing the salary. Each career has a different schedule (at least most of them do, especially basegame careers were very carefully made)
Does this conflict with 5 day work week by JSsims
I don't know that mod but likely yes (not the banking package by itself but the careers overrides would likely conflict)
Loving this so far. The addition of a work experience requirement really makes the promotions feel like they actually mean something. Thanks for sharing this!
Is this modular in a way that would enable only replacing logic with the 4 new minor skills (Street Arts, Hacking, Storytelling, Swimming), by any chance?
No.
Zero, your mods are incredible. Thank you so much for all that you put into them. The banking mod is a dream come true.