--- title: What the Buck Breaker and Withdrawal Upgrades: Max Levels description: All nine panel upgrades, their maximum levels, what each one does and which to buy first. url: https://whatthebuck.wiki/upgrades/breaker-and-withdrawal-upgrades/ --- Upgrades # What the Buck Breaker and Withdrawal upgrades _[Image: A fresh save with $28 in funds, $1 bills on the table and both upgrade panels showing their first prices]_ _A fresh save. The Breaker panel is on the left, the Withdrawal panel on the right. Official Steam screenshot, © kohlgames / Loerting Games._ What the Buck has nine panel upgrades: five on the Breaker panel (Radius, Damage, Speed, Crit Chance, Crit Damage) and four on the Withdrawal panel (Amount, Swipe Speed, Bill Value, Bundled Bills). confirmed Together they have 283 levels. Maxing all nine earns **Top of the Line**. confirmed ## All nine What the Buck breaker upgrades and withdrawal upgrades Maximum levels are read from the official store screenshots, where every panel row shows `Lvl x/y`. Starting prices are from the fresh-save screenshot. confirmed | Panel | Upgrade | Max level | First price seen | What it does | | --- | --- | --- | --- | --- | | Breaker | Radius | 13 | $48 | Size of the breaker ring | | Breaker | Damage | 36 | $27 | Damage per hit; decides how many hits a bundle needs | | Breaker | Speed | 16 | $63 | How often the breaker hits | | Breaker | Crit Chance | 10 | $3.5K | Chance for a hit to crit | | Breaker | Crit Damage | 8 | $18K | Damage multiplier on a crit | | Withdrawal | Amount | 45 | $33 | Bills per swipe | | Withdrawal | Swipe Speed | 25 | $50 | Time between card swipes | | Withdrawal | Bill Value | 30 | $4K | Chance of higher denominations | | Withdrawal | Bundled Bills | 100 | $25 | Bundle chance and bundle size | Breaker levels: 13 + 36 + 16 + 10 + 8 = 83. Withdrawal levels: 45 + 25 + 30 + 100 = 200. ## Which panel upgrades to buy first The panels appear after your first few dollars, when Mr. Buck calls to say you have earned upgrades. confirmed A good opening, matching what both release-day and pre-release players did: - **Amount** a few times, so each swipe drops more bills and they overlap. - **Damage** until one hit destroys a bill, then until one hit destroys a bundle. On release day 7 damage one-shot early bundles. confirmed - **Radius** once or twice so one hit catches overlapping bills. - **Bundled Bills**, which is cheap at the start ($25) and multiplies bills per swipe. - **Swipe Speed** once the card is your bottleneck. Leave Crit Chance and Crit Damage until the skill tree is open; they are expensive early and luck-based. ## Swipe Speed: the early bottleneck The card takes time to swipe, and early on it is the slowest part of the loop. The release-day player got it down to 1.35 seconds per swipe in his first shift, then found the next step cost $104K for 0.05 seconds less. confirmed At that point the Auto Swiper from the prestige tree, which swipes for you at your current speed, is worth far more. See [idle and automation](https://whatthebuck.wiki/upgrades/idle-and-automation/). ## Bill Value and Bundled Bills late in a shift These two scale hardest. Bill Value shifts the ATM toward bigger bills; its last levels cost quintillions ($386.9Qa at level 28 and $2.3Qi at level 29 in the store screenshots). confirmed Bundled Bills runs to level 100, ending at bundles of over 100,000 bills on release day. confirmed ## Keeping panel upgrades between shifts Ending a shift normally resets both panels. Three prestige-tree nodes change that: on release day, Withdrawal upgrades are kept for 10 PP, Breaker upgrades for 15 PP, and every skill tree upgrade for 40 PP. confirmed Buy the two panel nodes as soon as your PP allows; rebuying 283 levels every shift is the slowest part of the midgame. ## Crit upgrades Crit Chance has 10 levels and reached 100% in a pre-release run once Frenzy crit nodes were added. confirmed Crit Damage has 8 levels. They matter most once Damage is maxed and collectors or diamonds start surviving your hits. ## Panel upgrade checklist - Damage to one-shot bundles before buying bigger bundles. - Bundled Bills early, Bill Value later. - Swipe Speed until the Auto Swiper is affordable. - Buy the keep-on-shift-end nodes for both panels as early as your PP allows. - Max all nine for **Top of the Line**. ## Sources Last checked: 10 November 2026. Marks: confirmed = official notes, the store page, the game itself or a recording of it; reported = two or more players; unverified = one source. - [Store screenshots](https://store.steampowered.com/app/4832970/What_the_Buck/) - [Steam achievements](https://steamcommunity.com/stats/4832970/achievements/) - [Pre-release key run](https://www.youtube.com/watch?v=VL1DyJptysQ&t=104s) · at 01:44, 101:20 - [Release-day 100% run](https://www.youtube.com/watch?v=XtjuwrgHzQU&t=1206s) · at 20:06, 04:58, 45:02, 01:02 ## More in Upgrades - [Skill tree How the skill tree works, what each branch unlocks, and a buying order that keeps the table busy.](https://whatthebuck.wiki/upgrades/skill-tree/) - [Prestige tree Every prestige-tree unlock, which nodes to buy first, and what Market Maker does to the shift price.](https://whatthebuck.wiki/upgrades/prestige-tree/) - [Shifts and Prestige Points What ending a shift costs, how Prestige Points are earned, when to end a shift, and the 1.0.1 price cap.](https://whatthebuck.wiki/upgrades/shifts-and-prestige-points/) - [Idle and automation Can the game play itself? Auto Swiper, Idle Hands, the second ATM, Money Printer and Overcharge explained.](https://whatthebuck.wiki/upgrades/idle-and-automation/)