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GUIDE - EMI MUST BE PAID
By HostSpica Private Limited, the developer of EMI Must Be Paid · Updated 21 September 2026 · Game version 1.3.0
How many hammers are there and what do they do?
EMI Must Be Paid has 10 hammers. Each one has its own stats and a special power, from the free Wooden Mallet to the Golden Mace that sends a shockwave on every crit. You unlock them with BP and each one levels up with use.

| Hammer | BP cost | Damage | Crit | Speed | Special power |
|---|---|---|---|---|---|
| Wooden Mallet | Free | 1 | 5% | 2.8 | Warm-up: First hit on every piggy does +30% damage |
| Mom’s Slipper | 6 | 0.95 | 8% | 3.9 | Mom’s Aim: Runners take +150% damage; hits stun piggies for 1.2s (25%) |
| Steel Hammer | 12 | 1.9 | 6% | 2.4 | Armor Break: +60% damage against tanks and jackpot pigs |
| Street Cricket Bat | 30 | 1.5 | 9% | 3 | SIX!: Every 6th swing hits EVERY piggy on the field for x2 damage |
| Rolling Pin | 50 | 1 | 13% | 5 | Rage Mode: Every consecutive hit adds +5% swing speed (max 10 stacks) |
| Skillet Slam | 80 | 1.5 | 7% | 2.5 | Sizzle: Hits burn piggies for 40% of the hit damage per second (3s) |
| Firecracker | 120 | 1.3 | 8% | 2.8 | Boom: 30% of hits explode, hurting nearby piggies for 60% damage |
| Tea Cup Hammer | 170 | 1.4 | 8% | 3.2 | Quick Sip: -35% swing stamina cost, every smash restores +0.4 stamina |
| Magnet Mallet | 240 | 1.7 | 9% | 2.8 | Coin Magnet: +20% coin value and more cash-bundle drops |
| Golden Mace | 400 | 5.5 | 16% | 1.9 | Earthquake: Crits send a shockwave hitting every piggy for 50% damage |
Old reliable. Never lets you down. Best for: Your first runs. No cost, steady, and the warm-up bonus helps against every new piggy.
Never misses. Runners fear it. Best for: Runners and thieves. It never misses and its stun makes fast piggies easy to finish.
Heavy, honest steel. Best for: Tank Piggies and Black Cash jackpot pigs, thanks to the armor-break bonus.
Wide swing, hits the whole street. Best for: Crowded fields. Every 6th swing hits every piggy on screen.
Rolling pin. Fast fingers only. Best for: Fast tappers. Rage Mode builds swing speed with every consecutive hit.
Cast-iron skillet. Sizzling hot. Best for: Tough targets. Burn damage keeps working after you swing.
Festival special. Handle with care! Best for: Groups. 30% of hits explode and damage nearby piggies.
A cup of tea. Stamina in a cup. Best for: Long runs. Lower stamina cost plus stamina back on every smash.
Coins jump into your pocket. Best for: Coin-hungry builds that want to afford bills faster.
Legendary. Slow but earth-shaking. Best for: Late game. The biggest damage per hit and a crit shockwave, but a slow swing.
Every hammer gains mastery XP from smashes and paid bills, up to mastery level 10. Try each hammer at least once: they change how you play more than any other choice, and you can switch in the Loadout screen before every run.
No hammer is best for everyone: the Golden Mace has the highest damage per hit (5.5) but the slowest swing, the Rolling Pin is the fastest, and the Street Cricket Bat hits every piggy on screen every 6th swing.
There are 10 hammers. The Wooden Mallet is free and the others are unlocked with BP, from 6 BP for Mom’s Slipper to 400 BP for the Golden Mace.
Yes. Smashing piggies and paying bills gives each hammer mastery XP, which raises its mastery level up to level 10 for extra bonuses.